Bank Fund Staff

WASHINGTON, DC · 1 · Charter #5582 · www.bfsfcu.org/
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.0B
92th percentile
Members
103,579
43th percentile
Total loans
$3.8B
87th percentile
Total shares
$6.0B
93th percentile

Profitability

Return on assets
0.84%
39th percentile
Net interest margin
2.18%
6th percentile
Efficiency ratio
43.53%
81th percentile
Non-interest income ratio
8.63%
5th percentile

Capital & Risk

Net worth ratio
13.28%
85th percentile
Delinquency rate
0.39%
82th percentile
Net charge-off rate
0.07%
96th percentile
Loan-to-share
62.68%
9th percentile

Growth

Member growth YoY
2.44%
52th percentile
Asset growth YoY
6.92%
61th percentile
Loan growth YoY
2.02%
29th percentile
Share growth YoY
5.48%
52th percentile

Operations

Members / branch
25,895
97th percentile
Assets / member
$67,398
99th percentile
Field of membership penetration
63.08%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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