Spencerport

Spencerport, NY · 1 · Charter #14884 · www.spnfcu.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
$41.3M
91th percentile
Members
4,465
96th percentile
Total loans
$22.0M
91th percentile
Total shares
$37.3M
95th percentile

Profitability

Return on assets
1.02%
60th percentile
Net interest margin
3.88%
46th percentile
Efficiency ratio
66.70%
50th percentile
Non-interest income ratio
8.26%
46th percentile

Capital & Risk

Net worth ratio
9.30%
12th percentile
Delinquency rate
1.79%
27th percentile
Net charge-off rate
0.35%
41th percentile
Loan-to-share
59.06%
48th percentile

Growth

Member growth YoY
1.64%
81th percentile
Asset growth YoY
4.24%
70th percentile
Loan growth YoY
10.71%
90th percentile
Share growth YoY
3.16%
65th percentile

Operations

Members / branch
4,465
98th percentile
Assets / member
$9,249
50th percentile
Field of membership penetration
0.56%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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