A.B.D.

WARREN, MI · 1 · Charter #5885 · www.abdfcu.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
$67.7M
19th percentile
Members
6,093
35th percentile
Total loans
$17.9M
2th percentile
Total shares
$56.4M
18th percentile

Profitability

Return on assets
0.91%
42th percentile
Net interest margin
3.90%
64th percentile
Efficiency ratio
79.59%
8th percentile
Non-interest income ratio
38.44%
98th percentile

Capital & Risk

Net worth ratio
15.14%
77th percentile
Delinquency rate
1.40%
20th percentile
Net charge-off rate
1.36%
6th percentile
Loan-to-share
31.66%
4th percentile

Growth

Member growth YoY
-4.00%
17th percentile
Asset growth YoY
-0.98%
15th percentile
Loan growth YoY
-7.05%
11th percentile
Share growth YoY
-2.26%
11th percentile

Operations

Members / branch
2,031
22th percentile
Assets / member
$11,111
21th percentile
Field of membership penetration
35.63%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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