Loc

Farmington, MI · 2 · Charter #61404 · www.loccreditunion.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$467.0M
53th percentile
Members
27,710
49th percentile
Total loans
$253.3M
38th percentile
Total shares
$417.2M
56th percentile

Profitability

Return on assets
0.95%
48th percentile
Net interest margin
3.55%
58th percentile
Efficiency ratio
68.04%
16th percentile
Non-interest income ratio
18.43%
45th percentile

Capital & Risk

Net worth ratio
10.03%
36th percentile
Delinquency rate
0.48%
72th percentile
Net charge-off rate
0.14%
84th percentile
Loan-to-share
60.72%
14th percentile

Growth

Member growth YoY
-0.26%
40th percentile
Asset growth YoY
4.73%
46th percentile
Loan growth YoY
-0.58%
22th percentile
Share growth YoY
3.39%
38th percentile

Operations

Members / branch
3,959
36th percentile
Assets / member
$16,855
56th percentile
Field of membership penetration
0.27%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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