Our

Royal Oak, MI · 2 · Charter #62028 · www.ourcuonline.org
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
$360.4M
32th percentile
Members
23,626
38th percentile
Total loans
$223.3M
29th percentile
Total shares
$335.3M
40th percentile

Profitability

Return on assets
1.08%
58th percentile
Net interest margin
3.67%
65th percentile
Efficiency ratio
66.80%
20th percentile
Non-interest income ratio
21.09%
63th percentile

Capital & Risk

Net worth ratio
10.06%
37th percentile
Delinquency rate
0.56%
63th percentile
Net charge-off rate
0.57%
34th percentile
Loan-to-share
66.62%
22th percentile

Growth

Member growth YoY
0.05%
44th percentile
Asset growth YoY
0.73%
17th percentile
Loan growth YoY
6.47%
63th percentile
Share growth YoY
1.33%
20th percentile

Operations

Members / branch
4,725
52th percentile
Assets / member
$15,256
41th percentile
Field of membership penetration
23.63%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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