North Towns

Clarence, NY · 1 · Charter #9812 · www.northtownsfcu.com
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
$48.4M
99th percentile
Members
3,015
85th percentile
Total loans
$28.7M
97th percentile
Total shares
$43.8M
100th percentile

Profitability

Return on assets
1.37%
75th percentile
Net interest margin
3.34%
29th percentile
Efficiency ratio
45.53%
88th percentile
Non-interest income ratio
8.25%
46th percentile

Capital & Risk

Net worth ratio
9.39%
12th percentile
Delinquency rate
0.95%
43th percentile
Net charge-off rate
0.14%
57th percentile
Loan-to-share
65.53%
57th percentile

Growth

Member growth YoY
-1.50%
49th percentile
Asset growth YoY
9.33%
91th percentile
Loan growth YoY
3.36%
74th percentile
Share growth YoY
12.31%
94th percentile

Operations

Members / branch
1,508
64th percentile
Assets / member
$16,046
89th percentile
Field of membership penetration
11.60%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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