Golden Rule Community

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

$41.3M

91^th percentile

Members

3,913

94^th percentile

Total loans

$12.5M

72^th percentile

Total shares

$36.1M

93^th percentile

Profitability

Return on assets

0.93%

56^th percentile

Net interest margin

4.42%

66^th percentile

Efficiency ratio

75.65%

32^th percentile

Non-interest income ratio

7.18%

42^th percentile

Capital & Risk

Net worth ratio

11.94%

30^th percentile

Delinquency rate

0.50%

57^th percentile

Net charge-off rate

0.20%

51^th percentile

Loan-to-share

34.56%

16^th percentile

Growth

Member growth YoY

21.07%

98^th percentile

Asset growth YoY

1.87%

55^th percentile

Loan growth YoY

-2.93%

50^th percentile

Share growth YoY

1.60%

57^th percentile

Operations

Members / branch

3,913

97^th percentile

Assets / member

$10,558

61^th percentile

Field of membership penetration

15.65%

28^th percentile

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