One Thirteen

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

$8.3M

36^th percentile

Members

1,036

38^th percentile

Total loans

$5.4M

46^th percentile

Total shares

$7.4M

39^th percentile

Profitability

Return on assets

0.45%

33^th percentile

Net interest margin

4.88%

80^th percentile

Efficiency ratio

81.85%

21^th percentile

Non-interest income ratio

19.02%

81^th percentile

Capital & Risk

Net worth ratio

9.87%

15^th percentile

Delinquency rate

1.22%

36^th percentile

Net charge-off rate

0.18%

53^th percentile

Loan-to-share

72.36%

66^th percentile

Growth

Member growth YoY

0.19%

70^th percentile

Asset growth YoY

-2.64%

26^th percentile

Loan growth YoY

-10.80%

22^th percentile

Share growth YoY

-3.42%

27^th percentile

Operations

Members / branch

1,036

48^th percentile

Assets / member

$7,975

39^th percentile

Field of membership penetration

17.27%

30^th percentile

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