C C S E

SALAMANCA, NY · 1 · Charter #22754 · www.ccseonline.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
$61.5M
13th percentile
Members
5,820
33th percentile
Total loans
$27.7M
12th percentile
Total shares
$55.2M
16th percentile

Profitability

Return on assets
1.27%
66th percentile
Net interest margin
3.20%
26th percentile
Efficiency ratio
61.75%
53th percentile
Non-interest income ratio
26.50%
88th percentile

Capital & Risk

Net worth ratio
10.29%
26th percentile
Delinquency rate
0.43%
70th percentile
Net charge-off rate
0.04%
93th percentile
Loan-to-share
50.18%
20th percentile

Growth

Member growth YoY
1.31%
73th percentile
Asset growth YoY
5.94%
68th percentile
Loan growth YoY
5.79%
74th percentile
Share growth YoY
5.11%
64th percentile

Operations

Members / branch
5,820
89th percentile
Assets / member
$10,573
17th percentile
Field of membership penetration
88.18%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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