Schofield

WAHIAWA, HI · 1 · Charter #7423 · www.schofieldfcu.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
$34.8M
84th percentile
Members
1,991
65th percentile
Total loans
$21.5M
91th percentile
Total shares
$28.6M
82th percentile

Profitability

Return on assets
0.49%
34th percentile
Net interest margin
3.14%
23th percentile
Efficiency ratio
65.81%
52th percentile
Non-interest income ratio
17.83%
78th percentile

Capital & Risk

Net worth ratio
16.63%
60th percentile
Delinquency rate
0.26%
67th percentile
Net charge-off rate
0.02%
71th percentile
Loan-to-share
75.14%
70th percentile

Growth

Member growth YoY
-6.66%
11th percentile
Asset growth YoY
10.77%
93th percentile
Loan growth YoY
-6.81%
34th percentile
Share growth YoY
12.32%
94th percentile

Operations

Members / branch
1,991
78th percentile
Assets / member
$17,502
93th percentile
Field of membership penetration
0.20%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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