Sister's Hospital Employees

BUFFALO, NY · 1 · Charter #20279 · www.shefcu.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
$8.1M
36th percentile
Members
1,383
49th percentile
Total loans
$3.0M
31th percentile
Total shares
$7.1M
38th percentile

Profitability

Return on assets
0.59%
40th percentile
Net interest margin
3.74%
41th percentile
Efficiency ratio
71.41%
40th percentile
Non-interest income ratio
3.15%
24th percentile

Capital & Risk

Net worth ratio
11.82%
29th percentile
Delinquency rate
0.20%
71th percentile
Net charge-off rate
0.95%
18th percentile
Loan-to-share
41.73%
24th percentile

Growth

Member growth YoY
-1.78%
46th percentile
Asset growth YoY
6.00%
80th percentile
Loan growth YoY
-14.81%
12th percentile
Share growth YoY
6.08%
81th percentile

Operations

Members / branch
1,383
61th percentile
Assets / member
$5,856
22th percentile
Field of membership penetration
2.51%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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