Cadets

ELMA, NY · 1 · Charter #6930 · www.cadetsfcu.com
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
$18.0M
59th percentile
Members
1,430
51th percentile
Total loans
$10.4M
67th percentile
Total shares
$16.4M
62th percentile

Profitability

Return on assets
0.13%
21th percentile
Net interest margin
3.43%
31th percentile
Efficiency ratio
59.91%
65th percentile
Non-interest income ratio
2.78%
23th percentile

Capital & Risk

Net worth ratio
8.56%
8th percentile
Delinquency rate
1.70%
28th percentile
Net charge-off rate
0.30%
44th percentile
Loan-to-share
63.57%
54th percentile

Growth

Member growth YoY
24.56%
98th percentile
Asset growth YoY
-5.63%
14th percentile
Loan growth YoY
-11.12%
21th percentile
Share growth YoY
-6.09%
17th percentile

Operations

Members / branch
715
34th percentile
Assets / member
$12,559
74th percentile
Field of membership penetration
95.33%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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