Mosaic

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$8.6M

38^th percentile

Members

3,125

86^th percentile

Total loans

$6.6M

52^th percentile

Total shares

$7.9M

41^th percentile

Profitability

Return on assets

-0.28%

10^th percentile

Net interest margin

7.19%

98^th percentile

Efficiency ratio

102.51%

5^th percentile

Non-interest income ratio

26.59%

92^th percentile

Capital & Risk

Net worth ratio

9.07%

10^th percentile

Delinquency rate

2.05%

24^th percentile

Net charge-off rate

1.22%

13^th percentile

Loan-to-share

83.32%

81^th percentile

Growth

Member growth YoY

-6.18%

12^th percentile

Asset growth YoY

-6.46%

12^th percentile

Loan growth YoY

-14.11%

14^th percentile

Share growth YoY

-6.74%

15^th percentile

Operations

Members / branch

3,125

93^th percentile

Assets / member

$2,744

6^th percentile

Field of membership penetration

12.50%

26^th percentile

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