Rome

Rome, NY · 1 · Charter #1810 · www.romefcu.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
$31.6M
79th percentile
Members
1,826
61th percentile
Total loans
$15.4M
79th percentile
Total shares
$28.1M
81th percentile

Profitability

Return on assets
1.08%
63th percentile
Net interest margin
3.71%
40th percentile
Efficiency ratio
59.37%
66th percentile
Non-interest income ratio
12.33%
61th percentile

Capital & Risk

Net worth ratio
11.05%
23th percentile
Delinquency rate
3.21%
14th percentile
Net charge-off rate
0.52%
31th percentile
Loan-to-share
54.90%
42th percentile

Growth

Member growth YoY
-2.51%
38th percentile
Asset growth YoY
7.13%
84th percentile
Loan growth YoY
-0.64%
60th percentile
Share growth YoY
7.30%
85th percentile

Operations

Members / branch
1,826
74th percentile
Assets / member
$17,291
92th percentile
Field of membership penetration
6.09%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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