Alternatives

Ithaca, NY · 1 · Charter #23283 · www.alternatives.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
$163.8M
77th percentile
Members
12,490
81th percentile
Total loans
$94.6M
73th percentile
Total shares
$139.0M
77th percentile

Profitability

Return on assets
0.12%
6th percentile
Net interest margin
4.15%
77th percentile
Efficiency ratio
84.47%
4th percentile
Non-interest income ratio
25.36%
84th percentile

Capital & Risk

Net worth ratio
9.95%
22th percentile
Delinquency rate
6.03%
0th percentile
Net charge-off rate
1.83%
2th percentile
Loan-to-share
68.06%
50th percentile

Growth

Member growth YoY
-5.13%
12th percentile
Asset growth YoY
-1.46%
13th percentile
Loan growth YoY
0.08%
43th percentile
Share growth YoY
0.93%
30th percentile

Operations

Members / branch
6,245
91th percentile
Assets / member
$13,118
39th percentile
Field of membership penetration
1.41%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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