Slo

San Luis Obispo, CA · 2 · Charter #61779 · www.slocu.com
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
$29.5M
77th percentile
Members
1,354
48th percentile
Total loans
$15.5M
80th percentile
Total shares
$25.6M
78th percentile

Profitability

Return on assets
-0.71%
7th percentile
Net interest margin
3.07%
21th percentile
Efficiency ratio
95.26%
9th percentile
Non-interest income ratio
8.67%
48th percentile

Capital & Risk

Net worth ratio
14.52%
47th percentile
Delinquency rate
0.39%
62th percentile
Net charge-off rate
4.36%
2th percentile
Loan-to-share
60.58%
50th percentile

Growth

Member growth YoY
-13.48%
3th percentile
Asset growth YoY
-11.03%
4th percentile
Loan growth YoY
-12.88%
16th percentile
Share growth YoY
-11.09%
7th percentile

Operations

Members / branch
677
32th percentile
Assets / member
$21,772
97th percentile
Field of membership penetration
0.48%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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