I-C

FITCHBURG, MA · 1 · Charter #24250 · www.iccreditunion.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$548.0M
63th percentile
Members
36,634
69th percentile
Total loans
$408.8M
68th percentile
Total shares
$493.8M
66th percentile

Profitability

Return on assets
-0.24%
3th percentile
Net interest margin
3.02%
24th percentile
Efficiency ratio
83.26%
0th percentile
Non-interest income ratio
14.10%
21th percentile

Capital & Risk

Net worth ratio
8.90%
15th percentile
Delinquency rate
1.43%
13th percentile
Net charge-off rate
0.67%
26th percentile
Loan-to-share
82.77%
58th percentile

Growth

Member growth YoY
1.66%
62th percentile
Asset growth YoY
-2.72%
6th percentile
Loan growth YoY
-1.71%
19th percentile
Share growth YoY
-0.31%
12th percentile

Operations

Members / branch
6,106
74th percentile
Assets / member
$14,960
39th percentile
Field of membership penetration
0.93%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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