Co-Operative

WOODRIDGE, NY · 1 · Charter #1134 · WWW.COOPFEDERAL.COM
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$3.5M
19th percentile
Members
419
15th percentile
Total loans
$444.1K
9th percentile
Total shares
$2.7M
19th percentile

Profitability

Return on assets
-1.71%
4th percentile
Net interest margin
1.70%
3th percentile
Efficiency ratio
118.40%
3th percentile
Non-interest income ratio
1.65%
18th percentile

Capital & Risk

Net worth ratio
22.03%
80th percentile
Delinquency rate
1.26%
35th percentile
Net charge-off rate
0.76%
23th percentile
Loan-to-share
16.19%
4th percentile

Growth

Member growth YoY
-13.07%
3th percentile
Asset growth YoY
-9.15%
7th percentile
Loan growth YoY
-45.47%
1th percentile
Share growth YoY
-9.67%
8th percentile

Operations

Members / branch
419
19th percentile
Assets / member
$8,399
42th percentile
Field of membership penetration
16.76%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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