Ferko Md

Frederick, MD · 1 · Charter #10381 · www.ferkomfcu.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
$28.8M
76th percentile
Members
3,050
85th percentile
Total loans
$11.0M
69th percentile
Total shares
$23.2M
74th percentile

Profitability

Return on assets
1.83%
87th percentile
Net interest margin
4.26%
61th percentile
Efficiency ratio
56.27%
73th percentile
Non-interest income ratio
3.45%
26th percentile

Capital & Risk

Net worth ratio
19.31%
71th percentile
Delinquency rate
0.58%
54th percentile
Net charge-off rate
-0.02%
93th percentile
Loan-to-share
47.17%
31th percentile

Growth

Member growth YoY
-1.80%
46th percentile
Asset growth YoY
-0.16%
40th percentile
Loan growth YoY
-10.58%
22th percentile
Share growth YoY
-2.38%
32th percentile

Operations

Members / branch
3,050
92th percentile
Assets / member
$9,448
52th percentile
Field of membership penetration
61.00%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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