Wakefern

Elizabeth, NJ · 1 · Charter #15016 · www.wakefernfcu.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
$11.6M
45th percentile
Members
1,226
44th percentile
Total loans
$4.2M
38th percentile
Total shares
$8.7M
43th percentile

Profitability

Return on assets
2.13%
92th percentile
Net interest margin
4.67%
75th percentile
Efficiency ratio
58.47%
68th percentile
Non-interest income ratio
9.37%
50th percentile

Capital & Risk

Net worth ratio
24.28%
85th percentile
Delinquency rate
0.17%
73th percentile
Net charge-off rate
1.20%
13th percentile
Loan-to-share
47.63%
31th percentile

Growth

Member growth YoY
-2.70%
36th percentile
Asset growth YoY
3.78%
67th percentile
Loan growth YoY
8.45%
87th percentile
Share growth YoY
2.86%
63th percentile

Operations

Members / branch
1,226
56th percentile
Assets / member
$9,429
52th percentile
Field of membership penetration
12.26%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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