Symphony

Boston, MA · 1 · Charter #18861
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
$2.1M
13th percentile
Members
212
6th percentile
Total loans
$1.7M
20th percentile
Total shares
$1.6M
13th percentile

Profitability

Return on assets
0.57%
39th percentile
Net interest margin
4.25%
61th percentile
Efficiency ratio
60.16%
64th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
8.52%
8th percentile
Delinquency rate
12.01%
2th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
104.78%
95th percentile

Growth

Member growth YoY
0.47%
73th percentile
Asset growth YoY
0.61%
46th percentile
Loan growth YoY
13.38%
93th percentile
Share growth YoY
0.61%
50th percentile

Operations

Members / branch
212
8th percentile
Assets / member
$9,842
55th percentile
Field of membership penetration
42.40%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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