Alpha

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

$34.8M

84^th percentile

Members

3,786

93^th percentile

Total loans

$19.0M

87^th percentile

Total shares

$28.3M

81^th percentile

Profitability

Return on assets

1.91%

89^th percentile

Net interest margin

4.58%

72^th percentile

Efficiency ratio

61.24%

62^th percentile

Non-interest income ratio

9.20%

50^th percentile

Capital & Risk

Net worth ratio

17.94%

66^th percentile

Delinquency rate

0.06%

81^th percentile

Net charge-off rate

0.15%

55^th percentile

Loan-to-share

67.28%

59^th percentile

Growth

Member growth YoY

-3.86%

25^th percentile

Asset growth YoY

0.93%

49^th percentile

Loan growth YoY

4.23%

77^th percentile

Share growth YoY

-0.92%

41^th percentile

Operations

Members / branch

1,893

75^th percentile

Assets / member

$9,185

49^th percentile

Field of membership penetration

6.88%

20^th percentile

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