Aspire

Lufkin, TX · 2 · Charter #67489 · www.afecu.net
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$38.4M
88th percentile
Members
2,441
76th percentile
Total loans
$22.0M
91th percentile
Total shares
$30.5M
85th percentile

Profitability

Return on assets
1.92%
89th percentile
Net interest margin
5.22%
88th percentile
Efficiency ratio
65.55%
53th percentile
Non-interest income ratio
18.48%
79th percentile

Capital & Risk

Net worth ratio
19.54%
72th percentile
Delinquency rate
0.19%
72th percentile
Net charge-off rate
0.19%
52th percentile
Loan-to-share
72.06%
66th percentile

Growth

Member growth YoY
-5.13%
17th percentile
Asset growth YoY
3.43%
65th percentile
Loan growth YoY
-4.89%
42th percentile
Share growth YoY
0.61%
50th percentile

Operations

Members / branch
2,441
86th percentile
Assets / member
$15,717
87th percentile
Field of membership penetration
44.38%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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