Vulcraft Employees

ST JOE, IN · 1 · Charter #23287 · www.vulcraftfcu.com
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
$6.1M
30th percentile
Members
735
27th percentile
Total loans
$5.1M
45th percentile
Total shares
$5.2M
31th percentile

Profitability

Return on assets
1.15%
66th percentile
Net interest margin
3.79%
43th percentile
Efficiency ratio
47.73%
86th percentile
Non-interest income ratio
0.83%
12th percentile

Capital & Risk

Net worth ratio
14.09%
45th percentile
Delinquency rate
1.23%
36th percentile
Net charge-off rate
0.21%
50th percentile
Loan-to-share
97.80%
92th percentile

Growth

Member growth YoY
-0.41%
62th percentile
Asset growth YoY
3.71%
66th percentile
Loan growth YoY
6.63%
83th percentile
Share growth YoY
2.90%
63th percentile

Operations

Members / branch
245
10th percentile
Assets / member
$8,306
42th percentile
Field of membership penetration
73.50%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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