Health

Birmingham, AL · 2 · Charter #62664 · www.healthcu.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
$27.6M
74th percentile
Members
2,130
69th percentile
Total loans
$19.0M
87th percentile
Total shares
$21.3M
70th percentile

Profitability

Return on assets
2.13%
92th percentile
Net interest margin
4.94%
81th percentile
Efficiency ratio
53.22%
78th percentile
Non-interest income ratio
13.09%
63th percentile

Capital & Risk

Net worth ratio
22.20%
81th percentile
Delinquency rate
2.14%
23th percentile
Net charge-off rate
1.97%
7th percentile
Loan-to-share
89.34%
87th percentile

Growth

Member growth YoY
2.31%
86th percentile
Asset growth YoY
-1.41%
33th percentile
Loan growth YoY
5.94%
81th percentile
Share growth YoY
-0.95%
40th percentile

Operations

Members / branch
2,130
80th percentile
Assets / member
$12,973
76th percentile
Field of membership penetration
21.30%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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