Chiropractic

FARMINGTON, MI · 1 · Charter #6871 · www.chirofcu.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
$41.1M
91th percentile
Members
2,633
79th percentile
Total loans
$18.3M
86th percentile
Total shares
$34.9M
91th percentile

Profitability

Return on assets
0.69%
44th percentile
Net interest margin
2.70%
12th percentile
Efficiency ratio
58.13%
70th percentile
Non-interest income ratio
14.66%
68th percentile

Capital & Risk

Net worth ratio
14.71%
49th percentile
Delinquency rate
0.55%
56th percentile
Net charge-off rate
0.19%
52th percentile
Loan-to-share
52.34%
38th percentile

Growth

Member growth YoY
-4.71%
19th percentile
Asset growth YoY
4.31%
70th percentile
Loan growth YoY
0.60%
65th percentile
Share growth YoY
2.40%
61th percentile

Operations

Members / branch
2,633
88th percentile
Assets / member
$15,591
87th percentile
Field of membership penetration
21.94%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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