Excel

Norcross, GA · 1 · Charter #7825 · WWW.EXCELFCU.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
$166.5M
78th percentile
Members
10,375
71th percentile
Total loans
$112.7M
83th percentile
Total shares
$112.5M
64th percentile

Profitability

Return on assets
1.18%
61th percentile
Net interest margin
3.63%
48th percentile
Efficiency ratio
74.97%
14th percentile
Non-interest income ratio
46.02%
99th percentile

Capital & Risk

Net worth ratio
13.50%
65th percentile
Delinquency rate
0.82%
44th percentile
Net charge-off rate
0.29%
55th percentile
Loan-to-share
100.20%
95th percentile

Growth

Member growth YoY
-9.61%
3th percentile
Asset growth YoY
-2.57%
8th percentile
Loan growth YoY
3.13%
60th percentile
Share growth YoY
-3.56%
7th percentile

Operations

Members / branch
3,458
58th percentile
Assets / member
$16,052
63th percentile
Field of membership penetration
0.69%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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