Smart Financial

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

$803.5M

87^th percentile

Members

59,731

94^th percentile

Total loans

$568.2M

86^th percentile

Total shares

$697.0M

89^th percentile

Profitability

Return on assets

2.02%

95^th percentile

Net interest margin

4.20%

88^th percentile

Efficiency ratio

64.94%

25^th percentile

Non-interest income ratio

36.16%

99^th percentile

Capital & Risk

Net worth ratio

11.29%

56^th percentile

Delinquency rate

1.96%

5^th percentile

Net charge-off rate

0.78%

19^th percentile

Loan-to-share

81.52%

54^th percentile

Growth

Member growth YoY

-1.32%

29^th percentile

Asset growth YoY

2.57%

30^th percentile

Loan growth YoY

3.86%

50^th percentile

Share growth YoY

2.20%

29^th percentile

Operations

Members / branch

4,978

56^th percentile

Assets / member

$13,453

24^th percentile

Field of membership penetration

0.86%

12^th percentile

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