Avenir Financial

YUMA, AZ · 1 · Charter #4915 · WWW.AVENIRFINANCIAL.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
$393.6M
39th percentile
Members
32,998
60th percentile
Total loans
$283.7M
46th percentile
Total shares
$289.5M
26th percentile

Profitability

Return on assets
0.24%
10th percentile
Net interest margin
3.49%
53th percentile
Efficiency ratio
71.84%
8th percentile
Non-interest income ratio
27.97%
90th percentile

Capital & Risk

Net worth ratio
14.57%
89th percentile
Delinquency rate
1.48%
12th percentile
Net charge-off rate
1.93%
2th percentile
Loan-to-share
97.98%
89th percentile

Growth

Member growth YoY
-2.40%
20th percentile
Asset growth YoY
7.60%
70th percentile
Loan growth YoY
17.40%
94th percentile
Share growth YoY
4.57%
49th percentile

Operations

Members / branch
8,250
88th percentile
Assets / member
$11,927
12th percentile
Field of membership penetration
1.65%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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