A.U.B. Employees'

Athens, TN · 2 · Charter #68161
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
$1.5M
10th percentile
Members
213
7th percentile
Total loans
$1.2M
17th percentile
Total shares
$966.7K
9th percentile

Profitability

Return on assets
0.18%
22th percentile
Net interest margin
3.41%
31th percentile
Efficiency ratio
63.50%
57th percentile
Non-interest income ratio
0.78%
12th percentile

Capital & Risk

Net worth ratio
26.90%
89th percentile
Delinquency rate
2.67%
18th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
127.29%
99th percentile

Growth

Member growth YoY
-7.39%
9th percentile
Asset growth YoY
-12.05%
3th percentile
Loan growth YoY
-9.73%
25th percentile
Share growth YoY
-17.09%
2th percentile

Operations

Members / branch
213
9th percentile
Assets / member
$6,960
30th percentile
Field of membership penetration
77.45%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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