Isabella Community

MT Pleasant, MI · 2 · Charter #61318 · www.iccuonline.com
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
$220.6M
94th percentile
Members
13,488
85th percentile
Total loans
$118.0M
85th percentile
Total shares
$198.1M
96th percentile

Profitability

Return on assets
1.22%
63th percentile
Net interest margin
3.20%
26th percentile
Efficiency ratio
58.00%
64th percentile
Non-interest income ratio
24.92%
83th percentile

Capital & Risk

Net worth ratio
9.51%
17th percentile
Delinquency rate
0.81%
45th percentile
Net charge-off rate
0.14%
77th percentile
Loan-to-share
59.56%
35th percentile

Growth

Member growth YoY
-0.42%
52th percentile
Asset growth YoY
6.49%
73th percentile
Loan growth YoY
0.11%
44th percentile
Share growth YoY
4.95%
63th percentile

Operations

Members / branch
3,372
57th percentile
Assets / member
$16,352
65th percentile
Field of membership penetration
26.98%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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