Water's Edge

Biloxi, MS · 1 · Charter #8593 · www.WATERSEDGEFCU.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
$5.2M
26th percentile
Members
610
21th percentile
Total loans
$2.6M
27th percentile
Total shares
$4.6M
28th percentile

Profitability

Return on assets
-0.58%
8th percentile
Net interest margin
4.15%
57th percentile
Efficiency ratio
76.01%
31th percentile
Non-interest income ratio
3.77%
28th percentile

Capital & Risk

Net worth ratio
6.90%
2th percentile
Delinquency rate
6.83%
4th percentile
Net charge-off rate
0.91%
19th percentile
Loan-to-share
55.70%
43th percentile

Growth

Member growth YoY
-7.85%
9th percentile
Asset growth YoY
-0.56%
38th percentile
Loan growth YoY
-8.14%
30th percentile
Share growth YoY
-0.14%
46th percentile

Operations

Members / branch
610
28th percentile
Assets / member
$8,595
44th percentile
Field of membership penetration
30.50%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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