Fd Community

Waterbury, CT · 1 · Charter #42 · www.fdcommunityfcu.org
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
$156.1M
74th percentile
Members
13,486
85th percentile
Total loans
$91.9M
72th percentile
Total shares
$137.3M
76th percentile

Profitability

Return on assets
1.06%
51th percentile
Net interest margin
3.73%
54th percentile
Efficiency ratio
65.20%
42th percentile
Non-interest income ratio
16.57%
46th percentile

Capital & Risk

Net worth ratio
11.23%
37th percentile
Delinquency rate
1.38%
20th percentile
Net charge-off rate
0.30%
52th percentile
Loan-to-share
66.94%
48th percentile

Growth

Member growth YoY
-5.99%
8th percentile
Asset growth YoY
5.69%
66th percentile
Loan growth YoY
14.38%
94th percentile
Share growth YoY
5.52%
68th percentile

Operations

Members / branch
4,495
77th percentile
Assets / member
$11,573
25th percentile
Field of membership penetration
1.19%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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