Wellspring

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$91.5M

39^th percentile

Members

8,316

56^th percentile

Total loans

$68.0M

57^th percentile

Total shares

$82.9M

44^th percentile

Profitability

Return on assets

1.57%

80^th percentile

Net interest margin

4.53%

89^th percentile

Efficiency ratio

67.22%

35^th percentile

Non-interest income ratio

31.38%

94^th percentile

Capital & Risk

Net worth ratio

7.66%

2^th percentile

Delinquency rate

0.89%

40^th percentile

Net charge-off rate

1.56%

4^th percentile

Loan-to-share

82.00%

75^th percentile

Growth

Member growth YoY

0.56%

65^th percentile

Asset growth YoY

13.88%

95^th percentile

Loan growth YoY

0.76%

47^th percentile

Share growth YoY

15.84%

96^th percentile

Operations

Members / branch

1,663

12^th percentile

Assets / member

$11,009

20^th percentile

Field of membership penetration

11.88%

62^th percentile

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