Capital

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

$4.2M

21^th percentile

Members

854

31^th percentile

Total loans

$1.7M

20^th percentile

Total shares

$3.1M

21^th percentile

Profitability

Return on assets

-3.17%

2^th percentile

Net interest margin

5.05%

84^th percentile

Efficiency ratio

98.78%

7^th percentile

Non-interest income ratio

82.43%

99^th percentile

Capital & Risk

Net worth ratio

25.66%

87^th percentile

Delinquency rate

0.26%

68^th percentile

Net charge-off rate

2.52%

4^th percentile

Loan-to-share

54.04%

41^th percentile

Growth

Member growth YoY

32.61%

99^th percentile

Asset growth YoY

-43.87%

0^th percentile

Loan growth YoY

-19.55%

7^th percentile

Share growth YoY

-47.66%

0^th percentile

Operations

Members / branch

854

40^th percentile

Assets / member

$4,940

16^th percentile

Field of membership penetration

40.00%

54^th percentile

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