Tower

LAUREL, MD · 1 · Charter #8333 · www.towerfcu.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
$4.8B
83th percentile
Members
216,226
78th percentile
Total loans
$3.6B
85th percentile
Total shares
$4.1B
84th percentile

Profitability

Return on assets
1.42%
80th percentile
Net interest margin
3.53%
72th percentile
Efficiency ratio
48.48%
65th percentile
Non-interest income ratio
11.21%
11th percentile

Capital & Risk

Net worth ratio
14.34%
91th percentile
Delinquency rate
0.45%
77th percentile
Net charge-off rate
0.22%
84th percentile
Loan-to-share
88.42%
48th percentile

Growth

Member growth YoY
-3.35%
8th percentile
Asset growth YoY
5.39%
48th percentile
Loan growth YoY
5.64%
54th percentile
Share growth YoY
6.63%
63th percentile

Operations

Members / branch
12,719
88th percentile
Assets / member
$22,149
79th percentile
Field of membership penetration
100.00%
100th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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