F R B

Washington, DC · 1 · Charter #320 · www.frbfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$126.7M
61th percentile
Members
5,760
32th percentile
Total loans
$82.4M
66th percentile
Total shares
$112.1M
63th percentile

Profitability

Return on assets
0.29%
9th percentile
Net interest margin
2.83%
12th percentile
Efficiency ratio
67.28%
35th percentile
Non-interest income ratio
13.17%
30th percentile

Capital & Risk

Net worth ratio
9.07%
12th percentile
Delinquency rate
1.18%
26th percentile
Net charge-off rate
0.14%
77th percentile
Loan-to-share
73.49%
60th percentile

Growth

Member growth YoY
1.11%
71th percentile
Asset growth YoY
0.87%
25th percentile
Loan growth YoY
-3.56%
23th percentile
Share growth YoY
3.01%
46th percentile

Operations

Members / branch
2,880
44th percentile
Assets / member
$21,991
89th percentile
Field of membership penetration
27.43%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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