Saint Lawrence

Ogdensburg, NY · 1 · Charter #9871 · www.stlawrfcu.com
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
$258.6M
3th percentile
Members
13,311
6th percentile
Total loans
$179.4M
13th percentile
Total shares
$217.2M
2th percentile

Profitability

Return on assets
0.85%
41th percentile
Net interest margin
3.40%
45th percentile
Efficiency ratio
57.69%
57th percentile
Non-interest income ratio
18.12%
44th percentile

Capital & Risk

Net worth ratio
11.65%
62th percentile
Delinquency rate
0.89%
34th percentile
Net charge-off rate
0.13%
85th percentile
Loan-to-share
82.62%
58th percentile

Growth

Member growth YoY
1.94%
66th percentile
Asset growth YoY
6.21%
59th percentile
Loan growth YoY
2.81%
43th percentile
Share growth YoY
7.01%
71th percentile

Operations

Members / branch
2,219
5th percentile
Assets / member
$19,427
73th percentile
Field of membership penetration
1.40%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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