Energy People

MEDFORD, NJ · 1 · Charter #13729 · www.energypeoplefcu.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
$18.4M
60th percentile
Members
1,087
39th percentile
Total loans
$14.5M
77th percentile
Total shares
$15.1M
59th percentile

Profitability

Return on assets
0.19%
23th percentile
Net interest margin
3.91%
47th percentile
Efficiency ratio
69.68%
43th percentile
Non-interest income ratio
3.98%
29th percentile

Capital & Risk

Net worth ratio
18.09%
66th percentile
Delinquency rate
0.32%
65th percentile
Net charge-off rate
0.02%
72th percentile
Loan-to-share
96.02%
92th percentile

Growth

Member growth YoY
-1.09%
53th percentile
Asset growth YoY
-1.18%
35th percentile
Loan growth YoY
-5.26%
40th percentile
Share growth YoY
-1.61%
37th percentile

Operations

Members / branch
544
25th percentile
Assets / member
$16,943
91th percentile
Field of membership penetration
36.23%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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