Austin City Employees

Austin, MN · 2 · Charter #64186 · www.austincityecu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$11.4M
45th percentile
Members
774
28th percentile
Total loans
$6.6M
52th percentile
Total shares
$9.3M
45th percentile

Profitability

Return on assets
1.93%
90th percentile
Net interest margin
4.83%
79th percentile
Efficiency ratio
58.91%
67th percentile
Non-interest income ratio
7.74%
44th percentile

Capital & Risk

Net worth ratio
18.39%
68th percentile
Delinquency rate
0.06%
80th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
71.09%
65th percentile

Growth

Member growth YoY
-1.78%
46th percentile
Asset growth YoY
-0.07%
41th percentile
Loan growth YoY
-3.39%
48th percentile
Share growth YoY
-2.28%
33th percentile

Operations

Members / branch
774
37th percentile
Assets / member
$14,777
84th percentile
Field of membership penetration
18.08%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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