Sherwin

Portland, TX · 1 · Charter #12259 · www.sherwinfcu.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
$7.4M
34th percentile
Members
1,910
64th percentile
Total loans
$3.6M
35th percentile
Total shares
$5.0M
30th percentile

Profitability

Return on assets
-1.13%
5th percentile
Net interest margin
3.76%
42th percentile
Efficiency ratio
114.74%
3th percentile
Non-interest income ratio
26.62%
92th percentile

Capital & Risk

Net worth ratio
31.90%
94th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.21%
97th percentile
Loan-to-share
71.73%
66th percentile

Growth

Member growth YoY
0.63%
74th percentile
Asset growth YoY
2.98%
63th percentile
Loan growth YoY
2.74%
72th percentile
Share growth YoY
5.93%
80th percentile

Operations

Members / branch
478
22th percentile
Assets / member
$3,849
10th percentile
Field of membership penetration
47.75%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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