Holyoke Community

Holyoke, CO · 1 · Charter #2818 · www.hcfcu.org
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
$47.6M
98th percentile
Members
2,922
83th percentile
Total loans
$29.4M
98th percentile
Total shares
$43.5M
99th percentile

Profitability

Return on assets
0.90%
54th percentile
Net interest margin
3.32%
28th percentile
Efficiency ratio
49.48%
84th percentile
Non-interest income ratio
6.14%
37th percentile

Capital & Risk

Net worth ratio
8.11%
6th percentile
Delinquency rate
0.89%
45th percentile
Net charge-off rate
0.02%
72th percentile
Loan-to-share
67.50%
59th percentile

Growth

Member growth YoY
-0.81%
57th percentile
Asset growth YoY
9.10%
90th percentile
Loan growth YoY
1.50%
68th percentile
Share growth YoY
8.81%
89th percentile

Operations

Members / branch
1,461
63th percentile
Assets / member
$16,286
89th percentile
Field of membership penetration
48.70%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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