Lu 354 I B E W

SALT LAKE CITY, UT · 1 · Charter #9398 · www.ibewfcu.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
$40.1M
90th percentile
Members
2,647
79th percentile
Total loans
$29.1M
97th percentile
Total shares
$33.6M
89th percentile

Profitability

Return on assets
1.87%
88th percentile
Net interest margin
4.02%
51th percentile
Efficiency ratio
43.87%
89th percentile
Non-interest income ratio
9.96%
52th percentile

Capital & Risk

Net worth ratio
16.08%
57th percentile
Delinquency rate
2.71%
17th percentile
Net charge-off rate
-0.15%
96th percentile
Loan-to-share
86.41%
84th percentile

Growth

Member growth YoY
0.04%
68th percentile
Asset growth YoY
5.99%
80th percentile
Loan growth YoY
-3.59%
47th percentile
Share growth YoY
4.62%
73th percentile

Operations

Members / branch
2,647
88th percentile
Assets / member
$15,134
86th percentile
Field of membership penetration
52.94%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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