Combined Employees

WARNER ROBINS, GA · 2 · Charter #60825 · www.combinedecu.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
$17.3M
58th percentile
Members
2,706
80th percentile
Total loans
$13.6M
75th percentile
Total shares
$15.6M
60th percentile

Profitability

Return on assets
0.64%
42th percentile
Net interest margin
5.33%
89th percentile
Efficiency ratio
70.04%
43th percentile
Non-interest income ratio
9.58%
51th percentile

Capital & Risk

Net worth ratio
8.51%
7th percentile
Delinquency rate
0.15%
74th percentile
Net charge-off rate
0.27%
46th percentile
Loan-to-share
87.54%
85th percentile

Growth

Member growth YoY
-8.80%
7th percentile
Asset growth YoY
4.05%
68th percentile
Loan growth YoY
4.06%
76th percentile
Share growth YoY
6.44%
82th percentile

Operations

Members / branch
2,706
89th percentile
Assets / member
$6,399
26th percentile
Field of membership penetration
1.52%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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