American Baptist Association

Angleton, TX · 2 · Charter #67622 · www.abacu.org
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
$1.8M
11th percentile
Members
390
14th percentile
Total loans
$924.3K
14th percentile
Total shares
$1.6M
13th percentile

Profitability

Return on assets
-0.72%
7th percentile
Net interest margin
3.24%
25th percentile
Efficiency ratio
86.29%
16th percentile
Non-interest income ratio
4.28%
31th percentile

Capital & Risk

Net worth ratio
9.23%
11th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
57.96%
47th percentile

Growth

Member growth YoY
-0.26%
63th percentile
Asset growth YoY
18.94%
98th percentile
Loan growth YoY
-13.06%
16th percentile
Share growth YoY
22.52%
99th percentile

Operations

Members / branch
390
18th percentile
Assets / member
$4,509
14th percentile
Field of membership penetration
39.00%
53th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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