Mac

Fairbanks, AK · 1 · Charter #8080 · www.macfcu.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
$173.9M
81th percentile
Members
18,188
96th percentile
Total loans
$143.1M
94th percentile
Total shares
$149.3M
81th percentile

Profitability

Return on assets
1.43%
74th percentile
Net interest margin
5.79%
99th percentile
Efficiency ratio
69.21%
29th percentile
Non-interest income ratio
28.94%
91th percentile

Capital & Risk

Net worth ratio
11.30%
39th percentile
Delinquency rate
1.51%
17th percentile
Net charge-off rate
2.16%
2th percentile
Loan-to-share
95.86%
93th percentile

Growth

Member growth YoY
-11.38%
2th percentile
Asset growth YoY
-13.79%
0th percentile
Loan growth YoY
-1.23%
35th percentile
Share growth YoY
-0.73%
19th percentile

Operations

Members / branch
4,547
78th percentile
Assets / member
$9,563
11th percentile
Field of membership penetration
8.57%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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