M.O.S.E.S.

Boston, MA · 1 · Charter #23627 · www.moses-ma.org/moses-feder
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
$1.6M
10th percentile
Members
272
9th percentile
Total loans
$458.9K
9th percentile
Total shares
$1.2M
10th percentile

Profitability

Return on assets
0.81%
50th percentile
Net interest margin
5.76%
93th percentile
Efficiency ratio
82.73%
20th percentile
Non-interest income ratio
0.56%
11th percentile

Capital & Risk

Net worth ratio
21.17%
78th percentile
Delinquency rate
0.93%
44th percentile
Net charge-off rate
-0.19%
97th percentile
Loan-to-share
37.84%
19th percentile

Growth

Member growth YoY
-5.23%
16th percentile
Asset growth YoY
-10.53%
4th percentile
Loan growth YoY
-20.20%
6th percentile
Share growth YoY
-13.64%
4th percentile

Operations

Members / branch
272
12th percentile
Assets / member
$5,731
21th percentile
Field of membership penetration
9.07%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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