La Joya Area

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

$59.4M

11^th percentile

Members

14,477

89^th percentile

Total loans

$32.4M

17^th percentile

Total shares

$52.4M

13^th percentile

Profitability

Return on assets

0.42%

14^th percentile

Net interest margin

4.51%

88^th percentile

Efficiency ratio

91.75%

2^th percentile

Non-interest income ratio

38.66%

98^th percentile

Capital & Risk

Net worth ratio

11.29%

39^th percentile

Delinquency rate

1.89%

11^th percentile

Net charge-off rate

0.64%

22^th percentile

Loan-to-share

61.81%

39^th percentile

Growth

Member growth YoY

-2.90%

25^th percentile

Asset growth YoY

-1.55%

13^th percentile

Loan growth YoY

-7.75%

10^th percentile

Share growth YoY

-1.65%

14^th percentile

Operations

Members / branch

4,826

81^th percentile

Assets / member

$4,107

0^th percentile

Field of membership penetration

36.19%

83^th percentile

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