Team One

SAGINAW, MI · 2 · Charter #62141 · WWW.TEAMONECU.ORG
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$765.3M
84th percentile
Members
47,319
85th percentile
Total loans
$522.3M
82th percentile
Total shares
$682.6M
88th percentile

Profitability

Return on assets
1.00%
53th percentile
Net interest margin
3.54%
57th percentile
Efficiency ratio
63.83%
29th percentile
Non-interest income ratio
24.09%
78th percentile

Capital & Risk

Net worth ratio
9.49%
26th percentile
Delinquency rate
0.64%
57th percentile
Net charge-off rate
0.47%
43th percentile
Loan-to-share
76.52%
40th percentile

Growth

Member growth YoY
-2.11%
23th percentile
Asset growth YoY
1.95%
24th percentile
Loan growth YoY
3.85%
50th percentile
Share growth YoY
1.08%
18th percentile

Operations

Members / branch
4,302
42th percentile
Assets / member
$16,173
51th percentile
Field of membership penetration
0.47%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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