Academic

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

$34.7M

83^th percentile

Members

2,358

74^th percentile

Total loans

$11.5M

70^th percentile

Total shares

$30.8M

86^th percentile

Profitability

Return on assets

0.62%

41^th percentile

Net interest margin

2.48%

8^th percentile

Efficiency ratio

72.56%

38^th percentile

Non-interest income ratio

10.86%

55^th percentile

Capital & Risk

Net worth ratio

10.51%

19^th percentile

Delinquency rate

1.38%

33^th percentile

Net charge-off rate

0.08%

64^th percentile

Loan-to-share

37.15%

18^th percentile

Growth

Member growth YoY

-6.06%

13^th percentile

Asset growth YoY

-1.17%

35^th percentile

Loan growth YoY

-9.69%

25^th percentile

Share growth YoY

-2.79%

30^th percentile

Operations

Members / branch

2,358

85^th percentile

Assets / member

$14,735

84^th percentile

Field of membership penetration

0.76%

5^th percentile

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