Kaleida Health

BUFFALO, NY · 1 · Charter #22220 · www.kaleidahealthfcu.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
$20.1M
62th percentile
Members
3,263
88th percentile
Total loans
$12.1M
71th percentile
Total shares
$16.6M
62th percentile

Profitability

Return on assets
1.89%
89th percentile
Net interest margin
4.36%
64th percentile
Efficiency ratio
58.82%
67th percentile
Non-interest income ratio
18.58%
80th percentile

Capital & Risk

Net worth ratio
16.84%
60th percentile
Delinquency rate
0.13%
75th percentile
Net charge-off rate
0.07%
64th percentile
Loan-to-share
72.73%
67th percentile

Growth

Member growth YoY
-3.63%
27th percentile
Asset growth YoY
8.04%
88th percentile
Loan growth YoY
-8.34%
29th percentile
Share growth YoY
7.24%
85th percentile

Operations

Members / branch
1,632
68th percentile
Assets / member
$6,152
24th percentile
Field of membership penetration
2.20%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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