Empirt 207

new york, NY · 1 · Charter #1343 · www.amimembernet.com/efcu/l
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
$3.6M
19th percentile
Members
801
29th percentile
Total loans
$2.1M
23th percentile
Total shares
$2.5M
18th percentile

Profitability

Return on assets
0.33%
28th percentile
Net interest margin
5.90%
94th percentile
Efficiency ratio
81.65%
21th percentile
Non-interest income ratio
15.29%
70th percentile

Capital & Risk

Net worth ratio
29.45%
92th percentile
Delinquency rate
1.72%
28th percentile
Net charge-off rate
0.28%
45th percentile
Loan-to-share
83.91%
81th percentile

Growth

Member growth YoY
2.43%
87th percentile
Asset growth YoY
2.61%
60th percentile
Loan growth YoY
13.86%
93th percentile
Share growth YoY
2.47%
61th percentile

Operations

Members / branch
801
38th percentile
Assets / member
$4,500
14th percentile
Field of membership penetration
80.10%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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