Troy

TROY, NY · 1 · Charter #15928
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
$3.7M
19th percentile
Members
523
18th percentile
Total loans
$2.0M
22th percentile
Total shares
$3.1M
21th percentile

Profitability

Return on assets
0.24%
25th percentile
Net interest margin
2.80%
14th percentile
Efficiency ratio
59.36%
66th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
16.02%
56th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
63.31%
53th percentile

Growth

Member growth YoY
2.95%
89th percentile
Asset growth YoY
10.66%
92th percentile
Loan growth YoY
-8.60%
28th percentile
Share growth YoY
12.57%
94th percentile

Operations

Members / branch
523
24th percentile
Assets / member
$7,025
31th percentile
Field of membership penetration
43.58%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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