Shore to Shore Community

Trenton, MI · 1 · Charter #8349 · www.shore2shorecu.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
$81.9M
32th percentile
Members
5,360
28th percentile
Total loans
$28.8M
13th percentile
Total shares
$72.0M
34th percentile

Profitability

Return on assets
1.58%
81th percentile
Net interest margin
4.04%
72th percentile
Efficiency ratio
66.44%
37th percentile
Non-interest income ratio
19.27%
60th percentile

Capital & Risk

Net worth ratio
11.66%
43th percentile
Delinquency rate
1.34%
21th percentile
Net charge-off rate
0.62%
24th percentile
Loan-to-share
40.08%
8th percentile

Growth

Member growth YoY
-2.42%
29th percentile
Asset growth YoY
0.19%
21th percentile
Loan growth YoY
-1.35%
34th percentile
Share growth YoY
-0.98%
18th percentile

Operations

Members / branch
2,680
40th percentile
Assets / member
$15,281
57th percentile
Field of membership penetration
2.06%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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