Minerva Area

Minerva, OH · 1 · Charter #20622 · www.minervacreditunion.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
$16.3M
56th percentile
Members
2,417
75th percentile
Total loans
$7.3M
55th percentile
Total shares
$13.7M
56th percentile

Profitability

Return on assets
2.07%
92th percentile
Net interest margin
5.52%
91th percentile
Efficiency ratio
63.73%
56th percentile
Non-interest income ratio
19.73%
82th percentile

Capital & Risk

Net worth ratio
15.76%
55th percentile
Delinquency rate
1.28%
35th percentile
Net charge-off rate
0.94%
18th percentile
Loan-to-share
53.12%
39th percentile

Growth

Member growth YoY
-1.87%
45th percentile
Asset growth YoY
4.94%
73th percentile
Loan growth YoY
-2.73%
51th percentile
Share growth YoY
4.19%
71th percentile

Operations

Members / branch
1,209
55th percentile
Assets / member
$6,757
28th percentile
Field of membership penetration
26.86%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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