Arbor Financial

KALAMAZOO, MI · 2 · Charter #61708 · www.arborfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$914.2M
95th percentile
Members
47,036
84th percentile
Total loans
$685.5M
96th percentile
Total shares
$752.7M
94th percentile

Profitability

Return on assets
0.61%
26th percentile
Net interest margin
3.05%
26th percentile
Efficiency ratio
60.18%
44th percentile
Non-interest income ratio
27.02%
87th percentile

Capital & Risk

Net worth ratio
10.03%
36th percentile
Delinquency rate
1.74%
7th percentile
Net charge-off rate
0.34%
58th percentile
Loan-to-share
91.07%
76th percentile

Growth

Member growth YoY
0.44%
49th percentile
Asset growth YoY
1.20%
19th percentile
Loan growth YoY
-3.61%
11th percentile
Share growth YoY
3.62%
39th percentile

Operations

Members / branch
3,618
28th percentile
Assets / member
$19,436
73th percentile
Field of membership penetration
0.46%
5th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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