Electricians' Local 349

MIAMI, FL · 2 · Charter #67338 · www.local349cu.org
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
$4.8M
24th percentile
Members
608
21th percentile
Total loans
$1.1M
16th percentile
Total shares
$4.1M
25th percentile

Profitability

Return on assets
-4.55%
1th percentile
Net interest margin
-0.81%
0th percentile
Efficiency ratio
80.19%
23th percentile
Non-interest income ratio
5.51%
36th percentile

Capital & Risk

Net worth ratio
14.80%
49th percentile
Delinquency rate
0.18%
73th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
26.90%
9th percentile

Growth

Member growth YoY
-7.74%
9th percentile
Asset growth YoY
-1.61%
32th percentile
Loan growth YoY
-17.52%
9th percentile
Share growth YoY
4.60%
73th percentile

Operations

Members / branch
608
28th percentile
Assets / member
$7,902
38th percentile
Field of membership penetration
31.77%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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