Polam

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

$73.9M

25^th percentile

Members

2,109

1^th percentile

Total loans

$37.1M

23^th percentile

Total shares

$65.1M

28^th percentile

Profitability

Return on assets

-0.30%

3^th percentile

Net interest margin

1.83%

2^th percentile

Efficiency ratio

54.44%

73^th percentile

Non-interest income ratio

8.46%

10^th percentile

Capital & Risk

Net worth ratio

10.21%

26^th percentile

Delinquency rate

1.27%

23^th percentile

Net charge-off rate

-0.00%

98^th percentile

Loan-to-share

56.94%

31^th percentile

Growth

Member growth YoY

-0.38%

52^th percentile

Asset growth YoY

2.23%

36^th percentile

Loan growth YoY

-3.43%

24^th percentile

Share growth YoY

1.85%

36^th percentile

Operations

Members / branch

1,055

2^th percentile

Assets / member

$35,036

98^th percentile

Field of membership penetration

70.30%

96^th percentile

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