Town of Hempstead Employees

NORTH BALDWIN, NY · 1 · Charter #15539 · www.tohefcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$146.2M
71th percentile
Members
9,657
67th percentile
Total loans
$55.8M
47th percentile
Total shares
$132.2M
74th percentile

Profitability

Return on assets
0.57%
21th percentile
Net interest margin
2.33%
3th percentile
Efficiency ratio
69.64%
28th percentile
Non-interest income ratio
23.33%
78th percentile

Capital & Risk

Net worth ratio
7.74%
2th percentile
Delinquency rate
0.63%
55th percentile
Net charge-off rate
3.00%
1th percentile
Loan-to-share
42.20%
10th percentile

Growth

Member growth YoY
1.24%
72th percentile
Asset growth YoY
-0.46%
18th percentile
Loan growth YoY
-0.45%
39th percentile
Share growth YoY
-0.45%
20th percentile

Operations

Members / branch
4,829
81th percentile
Assets / member
$15,136
56th percentile
Field of membership penetration
48.28%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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