Southbridge

Southbridge, MA · 2 · Charter #66374 · www.southbridgecu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$236.3M
97th percentile
Members
11,332
76th percentile
Total loans
$173.9M
98th percentile
Total shares
$206.9M
98th percentile

Profitability

Return on assets
0.56%
20th percentile
Net interest margin
3.24%
28th percentile
Efficiency ratio
66.38%
38th percentile
Non-interest income ratio
18.61%
57th percentile

Capital & Risk

Net worth ratio
10.67%
31th percentile
Delinquency rate
0.23%
85th percentile
Net charge-off rate
0.17%
71th percentile
Loan-to-share
84.01%
77th percentile

Growth

Member growth YoY
-3.84%
18th percentile
Asset growth YoY
6.23%
71th percentile
Loan growth YoY
0.19%
44th percentile
Share growth YoY
7.22%
78th percentile

Operations

Members / branch
2,833
43th percentile
Assets / member
$20,854
87th percentile
Field of membership penetration
7.55%
53th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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