Opp-Micolas

OPP, AL · 2 · Charter #62486
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
$10.4M
42th percentile
Members
1,629
56th percentile
Total loans
$2.4M
26th percentile
Total shares
$7.7M
40th percentile

Profitability

Return on assets
-0.51%
8th percentile
Net interest margin
4.11%
55th percentile
Efficiency ratio
93.93%
9th percentile
Non-interest income ratio
3.25%
25th percentile

Capital & Risk

Net worth ratio
25.67%
87th percentile
Delinquency rate
0.16%
73th percentile
Net charge-off rate
-0.15%
96th percentile
Loan-to-share
31.56%
13th percentile

Growth

Member growth YoY
-3.15%
32th percentile
Asset growth YoY
-4.81%
17th percentile
Loan growth YoY
-11.02%
21th percentile
Share growth YoY
-5.70%
18th percentile

Operations

Members / branch
1,629
68th percentile
Assets / member
$6,360
26th percentile
Field of membership penetration
21.72%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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