On Tap

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$419.6M

45^th percentile

Members

19,350

23^th percentile

Total loans

$303.6M

51^th percentile

Total shares

$347.2M

42^th percentile

Profitability

Return on assets

0.46%

16^th percentile

Net interest margin

3.21%

33^th percentile

Efficiency ratio

59.10%

49^th percentile

Non-interest income ratio

14.38%

24^th percentile

Capital & Risk

Net worth ratio

9.13%

19^th percentile

Delinquency rate

1.05%

26^th percentile

Net charge-off rate

0.40%

52^th percentile

Loan-to-share

87.46%

68^th percentile

Growth

Member growth YoY

0.75%

53^th percentile

Asset growth YoY

9.04%

81^th percentile

Loan growth YoY

-1.80%

19^th percentile

Share growth YoY

3.68%

40^th percentile

Operations

Members / branch

6,450

77^th percentile

Assets / member

$21,683

82^th percentile

Field of membership penetration

0.97%

15^th percentile

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