H. E. Telephone

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

$45.9M

97^th percentile

Members

2,684

79^th percentile

Total loans

$23.1M

93^th percentile

Total shares

$38.8M

96^th percentile

Profitability

Return on assets

0.30%

27^th percentile

Net interest margin

2.88%

16^th percentile

Efficiency ratio

56.99%

72^th percentile

Non-interest income ratio

2.21%

20^th percentile

Capital & Risk

Net worth ratio

15.20%

52^th percentile

Delinquency rate

0.67%

51^th percentile

Net charge-off rate

0.49%

33^th percentile

Loan-to-share

59.53%

49^th percentile

Growth

Member growth YoY

-1.72%

47^th percentile

Asset growth YoY

-4.36%

18^th percentile

Loan growth YoY

-3.69%

47^th percentile

Share growth YoY

-4.94%

20^th percentile

Operations

Members / branch

2,684

88^th percentile

Assets / member

$17,109

92^th percentile

Field of membership penetration

76.69%

89^th percentile

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