Fedfinancial

Silver Spring, MD · 1 · Charter #216 · www.fedfinancial.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$76.6M
28th percentile
Members
3,685
11th percentile
Total loans
$23.8M
8th percentile
Total shares
$69.3M
32th percentile

Profitability

Return on assets
0.50%
16th percentile
Net interest margin
3.51%
42th percentile
Efficiency ratio
70.96%
24th percentile
Non-interest income ratio
11.71%
23th percentile

Capital & Risk

Net worth ratio
8.74%
8th percentile
Delinquency rate
1.12%
28th percentile
Net charge-off rate
0.42%
41th percentile
Loan-to-share
34.37%
5th percentile

Growth

Member growth YoY
-6.02%
8th percentile
Asset growth YoY
1.58%
31th percentile
Loan growth YoY
-0.11%
42th percentile
Share growth YoY
1.27%
32th percentile

Operations

Members / branch
3,685
63th percentile
Assets / member
$20,775
87th percentile
Field of membership penetration
0.95%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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