Nueva Esperanza Community

Toledo, OH · 2 · Charter #68603 · www.nuevaesperanzaccu.org
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
$4.4M
22th percentile
Members
860
32th percentile
Total loans
$2.9M
30th percentile
Total shares
$608.1K
6th percentile

Profitability

Return on assets
1.79%
86th percentile
Net interest margin
5.18%
86th percentile
Efficiency ratio
64.55%
55th percentile
Non-interest income ratio
34.62%
95th percentile

Capital & Risk

Net worth ratio
47.45%
98th percentile
Delinquency rate
5.14%
7th percentile
Net charge-off rate
1.81%
7th percentile
Loan-to-share
474.48%
100th percentile

Growth

Member growth YoY
37.38%
99th percentile
Asset growth YoY
0.14%
42th percentile
Loan growth YoY
4.09%
76th percentile
Share growth YoY
-0.40%
44th percentile

Operations

Members / branch
430
20th percentile
Assets / member
$5,123
17th percentile
Field of membership penetration
57.33%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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