White County

SEARCY, AR · 1 · Charter #24428 · www.whitecountyfcu.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
$17.2M
58th percentile
Members
2,072
67th percentile
Total loans
$11.8M
71th percentile
Total shares
$13.8M
56th percentile

Profitability

Return on assets
1.71%
85th percentile
Net interest margin
5.42%
90th percentile
Efficiency ratio
59.29%
66th percentile
Non-interest income ratio
9.50%
51th percentile

Capital & Risk

Net worth ratio
16.98%
62th percentile
Delinquency rate
2.64%
18th percentile
Net charge-off rate
0.38%
39th percentile
Loan-to-share
85.67%
83th percentile

Growth

Member growth YoY
-1.57%
48th percentile
Asset growth YoY
-1.65%
32th percentile
Loan growth YoY
-12.76%
17th percentile
Share growth YoY
-4.73%
21th percentile

Operations

Members / branch
1,036
48th percentile
Assets / member
$8,299
41th percentile
Field of membership penetration
51.80%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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