Shelby/bolivar County

BOYLE, MS · 1 · Charter #9974 · www.shelbycu.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
$4.6M
23th percentile
Members
1,981
65th percentile
Total loans
$1.1M
16th percentile
Total shares
$3.6M
24th percentile

Profitability

Return on assets
0.89%
54th percentile
Net interest margin
4.27%
62th percentile
Efficiency ratio
71.90%
39th percentile
Non-interest income ratio
25.18%
90th percentile

Capital & Risk

Net worth ratio
19.21%
71th percentile
Delinquency rate
4.75%
8th percentile
Net charge-off rate
3.85%
3th percentile
Loan-to-share
30.85%
12th percentile

Growth

Member growth YoY
-3.18%
31th percentile
Asset growth YoY
7.66%
86th percentile
Loan growth YoY
-3.89%
46th percentile
Share growth YoY
8.28%
88th percentile

Operations

Members / branch
991
46th percentile
Assets / member
$2,302
5th percentile
Field of membership penetration
5.66%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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