Clifty Creek Employees

Madison, IN · 1 · Charter #12152 · www.cliftycreekcu.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
$16.1M
55th percentile
Members
1,321
47th percentile
Total loans
$9.8M
65th percentile
Total shares
$13.2M
55th percentile

Profitability

Return on assets
0.02%
17th percentile
Net interest margin
2.90%
17th percentile
Efficiency ratio
59.14%
66th percentile
Non-interest income ratio
1.88%
18th percentile

Capital & Risk

Net worth ratio
17.63%
64th percentile
Delinquency rate
0.04%
81th percentile
Net charge-off rate
1.44%
11th percentile
Loan-to-share
74.00%
68th percentile

Growth

Member growth YoY
-13.83%
3th percentile
Asset growth YoY
1.08%
50th percentile
Loan growth YoY
-18.31%
8th percentile
Share growth YoY
3.92%
69th percentile

Operations

Members / branch
1,321
59th percentile
Assets / member
$12,154
72th percentile
Field of membership penetration
44.03%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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