Civic Central

Jefferson City, MO · 2 · Charter #62598 · www.goodcu.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
$100.0M
46th percentile
Members
5,002
25th percentile
Total loans
$46.5M
36th percentile
Total shares
$87.1M
48th percentile

Profitability

Return on assets
1.54%
79th percentile
Net interest margin
2.81%
12th percentile
Efficiency ratio
42.74%
93th percentile
Non-interest income ratio
14.08%
34th percentile

Capital & Risk

Net worth ratio
13.86%
68th percentile
Delinquency rate
0.45%
69th percentile
Net charge-off rate
0.24%
60th percentile
Loan-to-share
53.36%
24th percentile

Growth

Member growth YoY
-7.16%
6th percentile
Asset growth YoY
8.93%
84th percentile
Loan growth YoY
20.93%
97th percentile
Share growth YoY
7.21%
78th percentile

Operations

Members / branch
5,002
82th percentile
Assets / member
$19,987
84th percentile
Field of membership penetration
27.96%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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