Internal Revenue

NEW ORLEANS, LA · 1 · Charter #2446 · www.irfcuno.com
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
$21.2M
64th percentile
Members
1,524
53th percentile
Total loans
$10.1M
66th percentile
Total shares
$17.9M
64th percentile

Profitability

Return on assets
0.72%
46th percentile
Net interest margin
3.47%
33th percentile
Efficiency ratio
62.04%
60th percentile
Non-interest income ratio
13.34%
64th percentile

Capital & Risk

Net worth ratio
14.28%
46th percentile
Delinquency rate
0.57%
55th percentile
Net charge-off rate
0.63%
27th percentile
Loan-to-share
56.49%
44th percentile

Growth

Member growth YoY
-1.49%
49th percentile
Asset growth YoY
6.52%
82th percentile
Loan growth YoY
-4.20%
45th percentile
Share growth YoY
6.82%
83th percentile

Operations

Members / branch
1,524
65th percentile
Assets / member
$13,929
81th percentile
Field of membership penetration
84.67%
93th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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