Carpenters

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

$44.2M

94^th percentile

Members

15,568

100^th percentile

Total loans

$19.8M

88^th percentile

Total shares

$37.4M

95^th percentile

Profitability

Return on assets

1.88%

88^th percentile

Net interest margin

4.68%

75^th percentile

Efficiency ratio

74.05%

35^th percentile

Non-interest income ratio

38.85%

96^th percentile

Capital & Risk

Net worth ratio

15.51%

54^th percentile

Delinquency rate

0.14%

74^th percentile

Net charge-off rate

0.23%

49^th percentile

Loan-to-share

52.90%

39^th percentile

Growth

Member growth YoY

-4.35%

21^th percentile

Asset growth YoY

3.75%

67^th percentile

Loan growth YoY

0.99%

66^th percentile

Share growth YoY

2.01%

59^th percentile

Operations

Members / branch

7,784

100^th percentile

Assets / member

$2,837

6^th percentile

Field of membership penetration

51.89%

69^th percentile

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