St. Thomas

Nashville, TN · 2 · Charter #68071 · www.stthomascu.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
$38.0M
87th percentile
Members
2,445
76th percentile
Total loans
$28.2M
97th percentile
Total shares
$33.1M
89th percentile

Profitability

Return on assets
1.26%
70th percentile
Net interest margin
4.69%
76th percentile
Efficiency ratio
60.68%
63th percentile
Non-interest income ratio
14.04%
66th percentile

Capital & Risk

Net worth ratio
11.87%
29th percentile
Delinquency rate
3.15%
14th percentile
Net charge-off rate
0.45%
35th percentile
Loan-to-share
85.33%
83th percentile

Growth

Member growth YoY
-1.25%
52th percentile
Asset growth YoY
-3.26%
24th percentile
Loan growth YoY
0.47%
64th percentile
Share growth YoY
-4.02%
25th percentile

Operations

Members / branch
2,445
86th percentile
Assets / member
$15,528
87th percentile
Field of membership penetration
30.56%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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