Share Advantage

Duluth, MN · 2 · Charter #60242 · www.myshareadvantage.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$56.4M
7th percentile
Members
3,455
9th percentile
Total loans
$38.0M
24th percentile
Total shares
$48.7M
9th percentile

Profitability

Return on assets
1.38%
71th percentile
Net interest margin
4.45%
87th percentile
Efficiency ratio
68.92%
29th percentile
Non-interest income ratio
17.26%
50th percentile

Capital & Risk

Net worth ratio
13.26%
62th percentile
Delinquency rate
1.31%
22th percentile
Net charge-off rate
0.09%
84th percentile
Loan-to-share
77.92%
67th percentile

Growth

Member growth YoY
-22.64%
0th percentile
Asset growth YoY
-0.01%
20th percentile
Loan growth YoY
0.69%
46th percentile
Share growth YoY
-0.73%
18th percentile

Operations

Members / branch
1,728
14th percentile
Assets / member
$16,322
65th percentile
Field of membership penetration
16.10%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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