Golden Circle

Massillon, OH · 2 · Charter #61239 · www.goldencirclecu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$104.5M
48th percentile
Members
6,887
44th percentile
Total loans
$51.2M
41th percentile
Total shares
$86.1M
46th percentile

Profitability

Return on assets
0.54%
19th percentile
Net interest margin
4.40%
86th percentile
Efficiency ratio
84.15%
4th percentile
Non-interest income ratio
16.31%
45th percentile

Capital & Risk

Net worth ratio
15.95%
81th percentile
Delinquency rate
0.92%
39th percentile
Net charge-off rate
0.33%
50th percentile
Loan-to-share
59.49%
34th percentile

Growth

Member growth YoY
-7.31%
6th percentile
Asset growth YoY
-0.51%
18th percentile
Loan growth YoY
9.02%
84th percentile
Share growth YoY
1.04%
30th percentile

Operations

Members / branch
1,722
13th percentile
Assets / member
$15,178
56th percentile
Field of membership penetration
1.85%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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