Suny Fredonia

FREDONIA, NY · 1 · Charter #21851 · WWW.SUNYFREDONIAFCU.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
$46.0M
97th percentile
Members
3,349
89th percentile
Total loans
$16.4M
81th percentile
Total shares
$37.6M
95th percentile

Profitability

Return on assets
2.93%
97th percentile
Net interest margin
4.13%
56th percentile
Efficiency ratio
32.23%
96th percentile
Non-interest income ratio
10.04%
53th percentile

Capital & Risk

Net worth ratio
18.26%
67th percentile
Delinquency rate
0.39%
62th percentile
Net charge-off rate
0.27%
46th percentile
Loan-to-share
43.75%
26th percentile

Growth

Member growth YoY
0.84%
76th percentile
Asset growth YoY
4.80%
73th percentile
Loan growth YoY
2.60%
72th percentile
Share growth YoY
2.26%
60th percentile

Operations

Members / branch
3,349
94th percentile
Assets / member
$13,748
80th percentile
Field of membership penetration
66.98%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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