Twin Rivers

Massena, NY · 1 · Charter #20290 · www.twinriversfcu.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
$38.4M
88th percentile
Members
2,598
78th percentile
Total loans
$15.4M
79th percentile
Total shares
$34.7M
90th percentile

Profitability

Return on assets
0.91%
55th percentile
Net interest margin
4.17%
58th percentile
Efficiency ratio
77.48%
28th percentile
Non-interest income ratio
16.11%
73th percentile

Capital & Risk

Net worth ratio
12.93%
37th percentile
Delinquency rate
0.75%
49th percentile
Net charge-off rate
0.25%
48th percentile
Loan-to-share
44.22%
27th percentile

Growth

Member growth YoY
-2.91%
34th percentile
Asset growth YoY
4.19%
69th percentile
Loan growth YoY
-4.91%
42th percentile
Share growth YoY
1.39%
55th percentile

Operations

Members / branch
2,598
88th percentile
Assets / member
$14,763
84th percentile
Field of membership penetration
2.45%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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