Y-12

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$2.7B

64^th percentile

Members

136,401

57^th percentile

Total loans

$2.2B

68^th percentile

Total shares

$2.1B

58^th percentile

Profitability

Return on assets

1.27%

70^th percentile

Net interest margin

3.22%

50^th percentile

Efficiency ratio

45.95%

73^th percentile

Non-interest income ratio

20.43%

65^th percentile

Capital & Risk

Net worth ratio

9.96%

32^th percentile

Delinquency rate

0.48%

73^th percentile

Net charge-off rate

0.53%

45^th percentile

Loan-to-share

108.40%

93^th percentile

Growth

Member growth YoY

17.37%

97^th percentile

Asset growth YoY

26.81%

98^th percentile

Loan growth YoY

29.10%

98^th percentile

Share growth YoY

21.59%

96^th percentile

Operations

Members / branch

5,683

27^th percentile

Assets / member

$20,046

67^th percentile

Field of membership penetration

2.53%

26^th percentile

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