Members Advantage

MICHIGAN CITY, IN · 2 · Charter #68242 · www.macuonline.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$130.8M
64th percentile
Members
7,821
52th percentile
Total loans
$53.9M
44th percentile
Total shares
$119.1M
68th percentile

Profitability

Return on assets
0.42%
14th percentile
Net interest margin
2.74%
11th percentile
Efficiency ratio
67.33%
35th percentile
Non-interest income ratio
20.32%
66th percentile

Capital & Risk

Net worth ratio
9.35%
15th percentile
Delinquency rate
1.38%
20th percentile
Net charge-off rate
0.09%
86th percentile
Loan-to-share
45.27%
14th percentile

Growth

Member growth YoY
-2.84%
26th percentile
Asset growth YoY
6.16%
69th percentile
Loan growth YoY
1.05%
49th percentile
Share growth YoY
5.15%
65th percentile

Operations

Members / branch
2,607
38th percentile
Assets / member
$16,722
68th percentile
Field of membership penetration
52.14%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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