I.L.A. Local 1235

Newark, NJ · 1 · Charter #23807 · www.ila1235fcu.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
$7.4M
34th percentile
Members
683
24th percentile
Total loans
$4.9M
44th percentile
Total shares
$6.5M
36th percentile

Profitability

Return on assets
0.04%
17th percentile
Net interest margin
5.50%
91th percentile
Efficiency ratio
98.15%
7th percentile
Non-interest income ratio
5.96%
37th percentile

Capital & Risk

Net worth ratio
11.94%
30th percentile
Delinquency rate
0.25%
68th percentile
Net charge-off rate
0.13%
58th percentile
Loan-to-share
76.12%
71th percentile

Growth

Member growth YoY
5.08%
94th percentile
Asset growth YoY
4.62%
72th percentile
Loan growth YoY
13.48%
93th percentile
Share growth YoY
4.80%
74th percentile

Operations

Members / branch
683
32th percentile
Assets / member
$10,803
63th percentile
Field of membership penetration
68.30%
84th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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