Construction

BINGHAM FARMS, MI · 1 · Charter #21798 · www.cfcuonline.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$31.8M
80th percentile
Members
1,171
42th percentile
Total loans
$18.5M
86th percentile
Total shares
$28.2M
81th percentile

Profitability

Return on assets
0.16%
22th percentile
Net interest margin
2.13%
6th percentile
Efficiency ratio
71.56%
40th percentile
Non-interest income ratio
7.47%
43th percentile

Capital & Risk

Net worth ratio
11.05%
23th percentile
Delinquency rate
0.04%
82th percentile
Net charge-off rate
0.11%
61th percentile
Loan-to-share
65.69%
58th percentile

Growth

Member growth YoY
-0.51%
61th percentile
Asset growth YoY
31.15%
99th percentile
Loan growth YoY
-1.49%
57th percentile
Share growth YoY
36.34%
99th percentile

Operations

Members / branch
1,171
53th percentile
Assets / member
$27,144
99th percentile
Field of membership penetration
11.15%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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