Trailnorth

Ticonderoga, NY · 1 · Charter #9219 · www.trailnorth.com
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
$176.4M
82th percentile
Members
10,967
74th percentile
Total loans
$90.9M
71th percentile
Total shares
$157.7M
85th percentile

Profitability

Return on assets
0.96%
45th percentile
Net interest margin
3.96%
67th percentile
Efficiency ratio
71.87%
21th percentile
Non-interest income ratio
21.08%
69th percentile

Capital & Risk

Net worth ratio
9.58%
18th percentile
Delinquency rate
1.16%
26th percentile
Net charge-off rate
0.42%
42th percentile
Loan-to-share
57.68%
32th percentile

Growth

Member growth YoY
0.06%
59th percentile
Asset growth YoY
5.93%
67th percentile
Loan growth YoY
-3.80%
22th percentile
Share growth YoY
8.36%
83th percentile

Operations

Members / branch
3,656
62th percentile
Assets / member
$16,087
63th percentile
Field of membership penetration
3.38%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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