Germania

Brenham, TX · 2 · Charter #66857 · www.germaniacreditunion.com
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
$19.0M
61th percentile
Members
2,534
77th percentile
Total loans
$10.3M
67th percentile
Total shares
$16.5M
62th percentile

Profitability

Return on assets
0.61%
41th percentile
Net interest margin
3.44%
32th percentile
Efficiency ratio
62.69%
59th percentile
Non-interest income ratio
6.85%
40th percentile

Capital & Risk

Net worth ratio
12.61%
35th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.24%
48th percentile
Loan-to-share
62.41%
52th percentile

Growth

Member growth YoY
-2.16%
42th percentile
Asset growth YoY
-3.02%
25th percentile
Loan growth YoY
-15.14%
12th percentile
Share growth YoY
-3.01%
29th percentile

Operations

Members / branch
2,534
87th percentile
Assets / member
$7,506
35th percentile
Field of membership penetration
1.45%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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