Chelsea Employees

Chelsea, MA · 1 · Charter #851 · www.ChelseaEFCU.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
$20.5M
63th percentile
Members
2,154
70th percentile
Total loans
$14.8M
78th percentile
Total shares
$18.3M
65th percentile

Profitability

Return on assets
0.67%
43th percentile
Net interest margin
4.32%
63th percentile
Efficiency ratio
73.39%
36th percentile
Non-interest income ratio
4.55%
32th percentile

Capital & Risk

Net worth ratio
8.77%
8th percentile
Delinquency rate
0.35%
64th percentile
Net charge-off rate
0.01%
73th percentile
Loan-to-share
81.01%
77th percentile

Growth

Member growth YoY
1.65%
81th percentile
Asset growth YoY
3.94%
68th percentile
Loan growth YoY
7.38%
85th percentile
Share growth YoY
2.17%
59th percentile

Operations

Members / branch
2,154
81th percentile
Assets / member
$9,534
53th percentile
Field of membership penetration
71.80%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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