Transit

VALLEY STREAM, NY · 1 · Charter #21831 · WWW.ATU1181.ORG
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
$17.8M
59th percentile
Members
3,158
86th percentile
Total loans
$2.2M
24th percentile
Total shares
$16.0M
61th percentile

Profitability

Return on assets
0.37%
30th percentile
Net interest margin
3.09%
21th percentile
Efficiency ratio
80.69%
22th percentile
Non-interest income ratio
13.71%
65th percentile

Capital & Risk

Net worth ratio
10.22%
17th percentile
Delinquency rate
0.07%
80th percentile
Net charge-off rate
1.78%
8th percentile
Loan-to-share
13.78%
3th percentile

Growth

Member growth YoY
2.70%
88th percentile
Asset growth YoY
3.68%
66th percentile
Loan growth YoY
-2.17%
54th percentile
Share growth YoY
3.84%
69th percentile

Operations

Members / branch
1,579
66th percentile
Assets / member
$5,641
21th percentile
Field of membership penetration
90.23%
95th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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