Florence

Florence, AL · 1 · Charter #13167 · www.ffcuonline.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
$66.6M
18th percentile
Members
3,948
13th percentile
Total loans
$26.8M
11th percentile
Total shares
$57.9M
20th percentile

Profitability

Return on assets
0.54%
19th percentile
Net interest margin
3.30%
31th percentile
Efficiency ratio
65.56%
41th percentile
Non-interest income ratio
13.26%
31th percentile

Capital & Risk

Net worth ratio
13.70%
67th percentile
Delinquency rate
1.46%
18th percentile
Net charge-off rate
0.24%
60th percentile
Loan-to-share
46.17%
16th percentile

Growth

Member growth YoY
-1.40%
41th percentile
Asset growth YoY
-2.16%
10th percentile
Loan growth YoY
-9.98%
5th percentile
Share growth YoY
-3.04%
8th percentile

Operations

Members / branch
1,974
20th percentile
Assets / member
$16,866
70th percentile
Field of membership penetration
2.59%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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