Serve

DES MOINES, IA · 2 · Charter #65150 · www.servecu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$98.5M
45th percentile
Members
4,981
24th percentile
Total loans
$73.2M
60th percentile
Total shares
$80.3M
42th percentile

Profitability

Return on assets
1.69%
85th percentile
Net interest margin
4.07%
73th percentile
Efficiency ratio
54.04%
75th percentile
Non-interest income ratio
16.56%
46th percentile

Capital & Risk

Net worth ratio
17.85%
89th percentile
Delinquency rate
0.95%
37th percentile
Net charge-off rate
0.17%
72th percentile
Loan-to-share
91.17%
88th percentile

Growth

Member growth YoY
-1.52%
39th percentile
Asset growth YoY
1.70%
32th percentile
Loan growth YoY
-3.51%
24th percentile
Share growth YoY
0.46%
27th percentile

Operations

Members / branch
2,491
36th percentile
Assets / member
$19,784
83th percentile
Field of membership penetration
9.96%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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