Theory

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

$37.3M

86^th percentile

Members

3,512

90^th percentile

Total loans

$19.1M

87^th percentile

Total shares

$34.9M

91^th percentile

Profitability

Return on assets

0.86%

52^th percentile

Net interest margin

4.23%

60^th percentile

Efficiency ratio

75.11%

33^th percentile

Non-interest income ratio

8.60%

47^th percentile

Capital & Risk

Net worth ratio

8.72%

8^th percentile

Delinquency rate

2.50%

20^th percentile

Net charge-off rate

0.25%

47^th percentile

Loan-to-share

54.77%

42^th percentile

Growth

Member growth YoY

2.63%

87^th percentile

Asset growth YoY

9.06%

90^th percentile

Loan growth YoY

2.30%

71^th percentile

Share growth YoY

7.36%

85^th percentile

Operations

Members / branch

1,171

53^th percentile

Assets / member

$10,622

61^th percentile

Field of membership penetration

35.12%

49^th percentile

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