Members Trust

Mason, OH · 1 · Charter #15874 · www.memberstrust.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
$23.0M
67th percentile
Members
3,133
86th percentile
Total loans
$14.2M
77th percentile
Total shares
$18.4M
65th percentile

Profitability

Return on assets
0.21%
23th percentile
Net interest margin
3.72%
40th percentile
Efficiency ratio
80.07%
23th percentile
Non-interest income ratio
21.19%
84th percentile

Capital & Risk

Net worth ratio
19.39%
71th percentile
Delinquency rate
0.58%
54th percentile
Net charge-off rate
0.10%
61th percentile
Loan-to-share
76.81%
72th percentile

Growth

Member growth YoY
-2.43%
39th percentile
Asset growth YoY
-5.64%
14th percentile
Loan growth YoY
-6.97%
33th percentile
Share growth YoY
-7.21%
14th percentile

Operations

Members / branch
1,044
48th percentile
Assets / member
$7,345
33th percentile
Field of membership penetration
5.70%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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