Ferguson

Monticello, MS · 1 · Charter #18515 · www.fergusonfcu.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
$94.6M
42th percentile
Members
10,272
70th percentile
Total loans
$64.7M
54th percentile
Total shares
$85.6M
46th percentile

Profitability

Return on assets
0.72%
30th percentile
Net interest margin
4.59%
90th percentile
Efficiency ratio
70.88%
24th percentile
Non-interest income ratio
27.87%
90th percentile

Capital & Risk

Net worth ratio
9.79%
20th percentile
Delinquency rate
4.76%
1th percentile
Net charge-off rate
1.01%
11th percentile
Loan-to-share
75.63%
63th percentile

Growth

Member growth YoY
-0.26%
55th percentile
Asset growth YoY
-5.70%
2th percentile
Loan growth YoY
0.68%
46th percentile
Share growth YoY
3.52%
52th percentile

Operations

Members / branch
1,467
8th percentile
Assets / member
$9,212
10th percentile
Field of membership penetration
4.12%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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