Sidney

Sidney, NY · 1 · Charter #6011 · www.sfcuonline.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
$1.2B
15th percentile
Members
75,308
24th percentile
Total loans
$1.0B
27th percentile
Total shares
$1.1B
20th percentile

Profitability

Return on assets
1.86%
91th percentile
Net interest margin
3.94%
89th percentile
Efficiency ratio
48.80%
62th percentile
Non-interest income ratio
18.72%
52th percentile

Capital & Risk

Net worth ratio
10.29%
39th percentile
Delinquency rate
1.13%
21th percentile
Net charge-off rate
0.51%
47th percentile
Loan-to-share
96.34%
71th percentile

Growth

Member growth YoY
4.06%
68th percentile
Asset growth YoY
16.65%
94th percentile
Loan growth YoY
19.23%
95th percentile
Share growth YoY
14.11%
91th percentile

Operations

Members / branch
5,379
20th percentile
Assets / member
$16,262
34th percentile
Field of membership penetration
7.80%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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