Community Financial

PLYMOUTH, MI · 2 · Charter #68631 · www.orsacu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.5B
32th percentile
Members
83,834
31th percentile
Total loans
$1.3B
43th percentile
Total shares
$1.3B
34th percentile

Profitability

Return on assets
0.48%
17th percentile
Net interest margin
3.91%
89th percentile
Efficiency ratio
65.52%
6th percentile
Non-interest income ratio
17.17%
40th percentile

Capital & Risk

Net worth ratio
10.24%
39th percentile
Delinquency rate
1.03%
26th percentile
Net charge-off rate
0.62%
34th percentile
Loan-to-share
97.30%
73th percentile

Growth

Member growth YoY
-0.19%
23th percentile
Asset growth YoY
-6.69%
1th percentile
Loan growth YoY
-8.39%
1th percentile
Share growth YoY
-0.73%
9th percentile

Operations

Members / branch
6,449
37th percentile
Assets / member
$17,578
47th percentile
Field of membership penetration
0.83%
5th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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