Cecil County School Employees

ELKTON, MD · 1 · Charter #8549 · www.ccsefcu.org
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
$25.1M
70th percentile
Members
2,497
77th percentile
Total loans
$9.0M
62th percentile
Total shares
$22.9M
73th percentile

Profitability

Return on assets
-1.85%
3th percentile
Net interest margin
3.74%
41th percentile
Efficiency ratio
129.74%
2th percentile
Non-interest income ratio
17.70%
77th percentile

Capital & Risk

Net worth ratio
8.31%
6th percentile
Delinquency rate
1.54%
30th percentile
Net charge-off rate
0.89%
20th percentile
Loan-to-share
39.51%
21th percentile

Growth

Member growth YoY
-9.95%
6th percentile
Asset growth YoY
-2.44%
28th percentile
Loan growth YoY
-18.14%
8th percentile
Share growth YoY
-0.40%
44th percentile

Operations

Members / branch
2,497
87th percentile
Assets / member
$10,065
56th percentile
Field of membership penetration
9.79%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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