Directions

Toledo, OH · 2 · Charter #60978 · www.directionscu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.4B
22th percentile
Members
94,800
39th percentile
Total loans
$1.1B
34th percentile
Total shares
$1.2B
27th percentile

Profitability

Return on assets
0.48%
17th percentile
Net interest margin
3.45%
64th percentile
Efficiency ratio
65.05%
7th percentile
Non-interest income ratio
17.61%
43th percentile

Capital & Risk

Net worth ratio
9.16%
15th percentile
Delinquency rate
0.33%
87th percentile
Net charge-off rate
0.30%
77th percentile
Loan-to-share
95.32%
69th percentile

Growth

Member growth YoY
0.85%
33th percentile
Asset growth YoY
4.22%
36th percentile
Loan growth YoY
7.46%
65th percentile
Share growth YoY
4.39%
38th percentile

Operations

Members / branch
4,514
11th percentile
Assets / member
$14,339
17th percentile
Field of membership penetration
4.41%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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