State Agencies

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

$8.4M

37^th percentile

Members

674

24^th percentile

Total loans

$4.1M

38^th percentile

Total shares

$5.3M

32^th percentile

Profitability

Return on assets

0.95%

57^th percentile

Net interest margin

4.96%

82^th percentile

Efficiency ratio

69.72%

43^th percentile

Non-interest income ratio

8.20%

46^th percentile

Capital & Risk

Net worth ratio

37.41%

96^th percentile

Delinquency rate

1.74%

27^th percentile

Net charge-off rate

1.05%

16^th percentile

Loan-to-share

78.54%

74^th percentile

Growth

Member growth YoY

-3.44%

29^th percentile

Asset growth YoY

-2.77%

26^th percentile

Loan growth YoY

2.67%

72^th percentile

Share growth YoY

-4.64%

22^th percentile

Operations

Members / branch

225

9^th percentile

Assets / member

$12,517

74^th percentile

Field of membership penetration

26.96%

40^th percentile

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