Direct

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

$785.9M

86^th percentile

Members

23,250

36^th percentile

Total loans

$700.2M

97^th percentile

Total shares

$551.0M

74^th percentile

Profitability

Return on assets

-0.67%

1^th percentile

Net interest margin

1.99%

2^th percentile

Efficiency ratio

50.15%

81^th percentile

Non-interest income ratio

4.56%

1^th percentile

Capital & Risk

Net worth ratio

11.40%

58^th percentile

Delinquency rate

0.53%

67^th percentile

Net charge-off rate

0.12%

87^th percentile

Loan-to-share

127.09%

99^th percentile

Growth

Member growth YoY

-4.63%

10^th percentile

Asset growth YoY

-2.42%

7^th percentile

Loan growth YoY

0.42%

29^th percentile

Share growth YoY

2.46%

32^th percentile

Operations

Members / branch

23,250

99^th percentile

Assets / member

$33,802

97^th percentile

Field of membership penetration

0.96%

15^th percentile

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