Clarity

Nampa, ID · 2 · Charter #68295 · www.claritycu.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
$223.5M
95th percentile
Members
19,103
97th percentile
Total loans
$165.6M
97th percentile
Total shares
$203.8M
97th percentile

Profitability

Return on assets
1.58%
80th percentile
Net interest margin
4.32%
84th percentile
Efficiency ratio
61.48%
55th percentile
Non-interest income ratio
26.42%
87th percentile

Capital & Risk

Net worth ratio
9.70%
19th percentile
Delinquency rate
1.23%
25th percentile
Net charge-off rate
0.84%
14th percentile
Loan-to-share
81.22%
73th percentile

Growth

Member growth YoY
3.10%
86th percentile
Asset growth YoY
9.39%
86th percentile
Loan growth YoY
15.05%
94th percentile
Share growth YoY
13.62%
94th percentile

Operations

Members / branch
3,821
66th percentile
Assets / member
$11,702
26th percentile
Field of membership penetration
2.23%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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