Strategic

Sterling, VA · 1 · Charter #21319 · www.strategicfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$23.5M
68th percentile
Members
930
34th percentile
Total loans
$16.6M
82th percentile
Total shares
$21.1M
70th percentile

Profitability

Return on assets
0.87%
52th percentile
Net interest margin
3.95%
49th percentile
Efficiency ratio
62.62%
59th percentile
Non-interest income ratio
5.57%
36th percentile

Capital & Risk

Net worth ratio
9.93%
15th percentile
Delinquency rate
0.73%
49th percentile
Net charge-off rate
0.15%
56th percentile
Loan-to-share
78.71%
75th percentile

Growth

Member growth YoY
-5.49%
15th percentile
Asset growth YoY
2.46%
59th percentile
Loan growth YoY
-0.88%
59th percentile
Share growth YoY
2.01%
58th percentile

Operations

Members / branch
465
21th percentile
Assets / member
$25,292
99th percentile
Field of membership penetration
20.00%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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