Cooperative Extension Service

LITTLE ROCK, AR · 1 · Charter #24431 · www.cesfcu.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
$4.7M
23th percentile
Members
730
27th percentile
Total loans
$3.5M
34th percentile
Total shares
$3.5M
23th percentile

Profitability

Return on assets
0.45%
33th percentile
Net interest margin
4.49%
69th percentile
Efficiency ratio
76.79%
30th percentile
Non-interest income ratio
16.10%
73th percentile

Capital & Risk

Net worth ratio
25.19%
86th percentile
Delinquency rate
0.18%
73th percentile
Net charge-off rate
0.22%
49th percentile
Loan-to-share
99.13%
93th percentile

Growth

Member growth YoY
-2.28%
40th percentile
Asset growth YoY
3.47%
65th percentile
Loan growth YoY
10.56%
90th percentile
Share growth YoY
3.52%
67th percentile

Operations

Members / branch
730
35th percentile
Assets / member
$6,503
27th percentile
Field of membership penetration
48.67%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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