Mercer

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

$2.5M

14^th percentile

Members

413

15^th percentile

Total loans

$1.7M

20^th percentile

Total shares

$2.1M

16^th percentile

Profitability

Return on assets

0.59%

40^th percentile

Net interest margin

3.04%

20^th percentile

Efficiency ratio

53.02%

78^th percentile

Non-interest income ratio

0.98%

13^th percentile

Capital & Risk

Net worth ratio

15.40%

53^th percentile

Delinquency rate

1.24%

36^th percentile

Net charge-off rate

0.00%

90^th percentile

Loan-to-share

82.17%

79^th percentile

Growth

Member growth YoY

-15.37%

2^th percentile

Asset growth YoY

-3.27%

23^th percentile

Loan growth YoY

-6.55%

35^th percentile

Share growth YoY

-4.19%

24^th percentile

Operations

Members / branch

413

19^th percentile

Assets / member

$6,123

24^th percentile

Field of membership penetration

41.30%

56^th percentile

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