Essential

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

$419.1M

45^th percentile

Members

30,534

55^th percentile

Total loans

$333.2M

57^th percentile

Total shares

$293.7M

28^th percentile

Profitability

Return on assets

0.24%

10^th percentile

Net interest margin

3.37%

43^th percentile

Efficiency ratio

66.51%

22^th percentile

Non-interest income ratio

28.24%

90^th percentile

Capital & Risk

Net worth ratio

9.15%

19^th percentile

Delinquency rate

1.68%

8^th percentile

Net charge-off rate

0.89%

15^th percentile

Loan-to-share

113.45%

97^th percentile

Growth

Member growth YoY

-29.01%

0^th percentile

Asset growth YoY

7.18%

67^th percentile

Loan growth YoY

5.68%

59^th percentile

Share growth YoY

6.53%

68^th percentile

Operations

Members / branch

5,089

59^th percentile

Assets / member

$13,726

27^th percentile

Field of membership penetration

3.73%

46^th percentile

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