Rockland Employees

Spring Valley, NY · 1 · Charter #15080 · www.refcu.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
$53.1M
3th percentile
Members
7,046
46th percentile
Total loans
$42.9M
32th percentile
Total shares
$43.8M
3th percentile

Profitability

Return on assets
1.24%
64th percentile
Net interest margin
7.47%
100th percentile
Efficiency ratio
84.96%
4th percentile
Non-interest income ratio
19.89%
64th percentile

Capital & Risk

Net worth ratio
16.33%
83th percentile
Delinquency rate
2.51%
6th percentile
Net charge-off rate
0.91%
13th percentile
Loan-to-share
97.77%
94th percentile

Growth

Member growth YoY
-3.45%
20th percentile
Asset growth YoY
-1.45%
13th percentile
Loan growth YoY
-1.57%
33th percentile
Share growth YoY
-2.46%
11th percentile

Operations

Members / branch
1,762
15th percentile
Assets / member
$7,535
3th percentile
Field of membership penetration
23.49%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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