Shared Resources

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

$25.0M

70^th percentile

Members

2,807

81^th percentile

Total loans

$18.6M

86^th percentile

Total shares

$21.5M

71^th percentile

Profitability

Return on assets

0.59%

40^th percentile

Net interest margin

5.59%

92^th percentile

Efficiency ratio

84.26%

18^th percentile

Non-interest income ratio

27.95%

93^th percentile

Capital & Risk

Net worth ratio

13.29%

39^th percentile

Delinquency rate

0.76%

48^th percentile

Net charge-off rate

0.54%

30^th percentile

Loan-to-share

86.26%

84^th percentile

Growth

Member growth YoY

-3.57%

28^th percentile

Asset growth YoY

-3.43%

22^th percentile

Loan growth YoY

-4.85%

42^th percentile

Share growth YoY

2.29%

60^th percentile

Operations

Members / branch

2,807

90^th percentile

Assets / member

$8,911

47^th percentile

Field of membership penetration

3.51%

15^th percentile

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