S R I Employees

Birmingham, AL · 1 · Charter #11123
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
$3.7M
20th percentile
Members
160
4th percentile
Total loans
$819.9K
13th percentile
Total shares
$2.3M
17th percentile

Profitability

Return on assets
0.09%
19th percentile
Net interest margin
2.99%
19th percentile
Efficiency ratio
73.65%
36th percentile
Non-interest income ratio
0.76%
12th percentile

Capital & Risk

Net worth ratio
37.55%
96th percentile
Delinquency rate
0.43%
60th percentile
Net charge-off rate
0.11%
60th percentile
Loan-to-share
35.32%
17th percentile

Growth

Member growth YoY
-13.51%
3th percentile
Asset growth YoY
-2.67%
26th percentile
Loan growth YoY
46.10%
99th percentile
Share growth YoY
-4.60%
22th percentile

Operations

Members / branch
160
6th percentile
Assets / member
$23,334
98th percentile
Field of membership penetration
64.00%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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