Organized Labor

Modesto, CA · 2 · Charter #61942 · www.organizedlaborcu.org
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
$40.0M
90th percentile
Members
3,097
86th percentile
Total loans
$14.8M
78th percentile
Total shares
$35.9M
93th percentile

Profitability

Return on assets
1.26%
70th percentile
Net interest margin
4.02%
52th percentile
Efficiency ratio
73.16%
37th percentile
Non-interest income ratio
21.94%
86th percentile

Capital & Risk

Net worth ratio
9.71%
14th percentile
Delinquency rate
1.16%
37th percentile
Net charge-off rate
0.06%
66th percentile
Loan-to-share
41.23%
23th percentile

Growth

Member growth YoY
-8.29%
8th percentile
Asset growth YoY
5.51%
77th percentile
Loan growth YoY
2.10%
71th percentile
Share growth YoY
4.59%
73th percentile

Operations

Members / branch
1,549
66th percentile
Assets / member
$12,900
76th percentile
Field of membership penetration
30.97%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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