Rah

RANDOLPH, MA · 1 · Charter #14845 · www.rahfcu.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
$23.2M
67th percentile
Members
1,840
62th percentile
Total loans
$15.0M
78th percentile
Total shares
$20.6M
69th percentile

Profitability

Return on assets
0.78%
49th percentile
Net interest margin
3.49%
33th percentile
Efficiency ratio
59.71%
65th percentile
Non-interest income ratio
4.76%
33th percentile

Capital & Risk

Net worth ratio
11.00%
23th percentile
Delinquency rate
0.23%
69th percentile
Net charge-off rate
0.15%
55th percentile
Loan-to-share
72.88%
67th percentile

Growth

Member growth YoY
-2.02%
43th percentile
Asset growth YoY
1.91%
55th percentile
Loan growth YoY
-0.14%
62th percentile
Share growth YoY
1.39%
55th percentile

Operations

Members / branch
1,840
75th percentile
Assets / member
$12,614
75th percentile
Field of membership penetration
28.31%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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