Ambraw

Lawrenceville, IL · 1 · Charter #567 · www.ambrawfcu.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
$17.0M
57th percentile
Members
1,997
66th percentile
Total loans
$2.8M
30th percentile
Total shares
$15.3M
59th percentile

Profitability

Return on assets
0.65%
43th percentile
Net interest margin
3.42%
31th percentile
Efficiency ratio
74.54%
34th percentile
Non-interest income ratio
15.42%
70th percentile

Capital & Risk

Net worth ratio
9.40%
12th percentile
Delinquency rate
0.47%
59th percentile
Net charge-off rate
0.00%
74th percentile
Loan-to-share
18.52%
5th percentile

Growth

Member growth YoY
-3.34%
30th percentile
Asset growth YoY
4.47%
71th percentile
Loan growth YoY
-25.21%
3th percentile
Share growth YoY
4.22%
71th percentile

Operations

Members / branch
666
31th percentile
Assets / member
$8,510
44th percentile
Field of membership penetration
12.97%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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