Mass. Institute of Tech.

Lexington, MA · 1 · Charter #3830 · www.mitfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$743.5M
82th percentile
Members
34,833
64th percentile
Total loans
$534.3M
83th percentile
Total shares
$668.8M
86th percentile

Profitability

Return on assets
0.51%
20th percentile
Net interest margin
2.89%
19th percentile
Efficiency ratio
65.34%
24th percentile
Non-interest income ratio
14.20%
22th percentile

Capital & Risk

Net worth ratio
9.63%
28th percentile
Delinquency rate
1.11%
24th percentile
Net charge-off rate
0.28%
64th percentile
Loan-to-share
79.90%
48th percentile

Growth

Member growth YoY
2.53%
73th percentile
Asset growth YoY
3.01%
34th percentile
Loan growth YoY
-5.12%
8th percentile
Share growth YoY
6.18%
64th percentile

Operations

Members / branch
8,708
90th percentile
Assets / member
$21,343
81th percentile
Field of membership penetration
8.71%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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