Gates Chili

Rochester, NY · 1 · Charter #16236 · www.gateschilifcu.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
$30.5M
78th percentile
Members
2,219
71th percentile
Total loans
$13.2M
74th percentile
Total shares
$28.2M
81th percentile

Profitability

Return on assets
0.69%
44th percentile
Net interest margin
3.53%
34th percentile
Efficiency ratio
82.78%
20th percentile
Non-interest income ratio
12.72%
62th percentile

Capital & Risk

Net worth ratio
7.41%
3th percentile
Delinquency rate
0.73%
49th percentile
Net charge-off rate
0.42%
37th percentile
Loan-to-share
46.83%
30th percentile

Growth

Member growth YoY
0.09%
68th percentile
Asset growth YoY
1.51%
53th percentile
Loan growth YoY
2.96%
73th percentile
Share growth YoY
1.01%
53th percentile

Operations

Members / branch
2,219
82th percentile
Assets / member
$13,723
80th percentile
Field of membership penetration
11.09%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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