Consumers

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$4.5B

80^th percentile

Members

279,428

85^th percentile

Total loans

$3.1B

79^th percentile

Total shares

$3.3B

76^th percentile

Profitability

Return on assets

0.43%

14^th percentile

Net interest margin

3.23%

51^th percentile

Efficiency ratio

43.16%

81^th percentile

Non-interest income ratio

13.03%

16^th percentile

Capital & Risk

Net worth ratio

8.63%

8^th percentile

Delinquency rate

0.93%

33^th percentile

Net charge-off rate

0.76%

26^th percentile

Loan-to-share

94.55%

66^th percentile

Growth

Member growth YoY

6.06%

85^th percentile

Asset growth YoY

11.67%

87^th percentile

Loan growth YoY

10.37%

80^th percentile

Share growth YoY

4.57%

40^th percentile

Operations

Members / branch

11,643

82^th percentile

Assets / member

$16,112

31^th percentile

Field of membership penetration

8.37%

64^th percentile

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