Formation

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$96.5M

44^th percentile

Members

10,635

72^th percentile

Total loans

$61.5M

52^th percentile

Total shares

$83.4M

45^th percentile

Profitability

Return on assets

0.64%

25^th percentile

Net interest margin

3.81%

58^th percentile

Efficiency ratio

66.68%

37^th percentile

Non-interest income ratio

18.38%

56^th percentile

Capital & Risk

Net worth ratio

13.31%

63^th percentile

Delinquency rate

1.77%

13^th percentile

Net charge-off rate

0.87%

14^th percentile

Loan-to-share

73.79%

61^th percentile

Growth

Member growth YoY

-1.71%

37^th percentile

Asset growth YoY

-3.19%

7^th percentile

Loan growth YoY

-11.50%

4^th percentile

Share growth YoY

-2.84%

9^th percentile

Operations

Members / branch

5,318

85^th percentile

Assets / member

$9,078

9^th percentile

Field of membership penetration

53.17%

91^th percentile

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