The Andovers

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

$36.2M

85^th percentile

Members

2,167

70^th percentile

Total loans

$8.2M

58^th percentile

Total shares

$31.5M

87^th percentile

Profitability

Return on assets

0.80%

50^th percentile

Net interest margin

2.54%

9^th percentile

Efficiency ratio

56.30%

73^th percentile

Non-interest income ratio

8.10%

45^th percentile

Capital & Risk

Net worth ratio

12.94%

37^th percentile

Delinquency rate

0.98%

42^th percentile

Net charge-off rate

0.33%

42^th percentile

Loan-to-share

26.04%

9^th percentile

Growth

Member growth YoY

-0.14%

65^th percentile

Asset growth YoY

0.89%

48^th percentile

Loan growth YoY

-7.96%

30^th percentile

Share growth YoY

0.16%

48^th percentile

Operations

Members / branch

1,084

50^th percentile

Assets / member

$16,715

91^th percentile

Field of membership penetration

54.17%

71^th percentile

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