Municipal

NEW YORK, NY · 2 · Charter #60153 · www.NYMCU.ORG
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.9B
85th percentile
Members
631,649
99th percentile
Total loans
$3.1B
79th percentile
Total shares
$4.3B
85th percentile

Profitability

Return on assets
1.95%
93th percentile
Net interest margin
4.09%
93th percentile
Efficiency ratio
59.80%
18th percentile
Non-interest income ratio
26.51%
90th percentile

Capital & Risk

Net worth ratio
11.34%
61th percentile
Delinquency rate
1.57%
10th percentile
Net charge-off rate
1.05%
12th percentile
Loan-to-share
73.07%
17th percentile

Growth

Member growth YoY
2.21%
49th percentile
Asset growth YoY
9.22%
76th percentile
Loan growth YoY
14.22%
89th percentile
Share growth YoY
8.86%
75th percentile

Operations

Members / branch
42,110
99th percentile
Assets / member
$7,756
0th percentile
Field of membership penetration
3.51%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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