Electrical Workers No 558

SHEFFIELD, AL · 1 · Charter #12478 · www.ew558fcu.com
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
$44.8M
95th percentile
Members
2,625
78th percentile
Total loans
$23.1M
93th percentile
Total shares
$35.6M
92th percentile

Profitability

Return on assets
2.32%
94th percentile
Net interest margin
3.88%
47th percentile
Efficiency ratio
28.09%
97th percentile
Non-interest income ratio
0.32%
9th percentile

Capital & Risk

Net worth ratio
20.03%
74th percentile
Delinquency rate
0.02%
83th percentile
Net charge-off rate
0.07%
65th percentile
Loan-to-share
64.96%
56th percentile

Growth

Member growth YoY
-0.15%
65th percentile
Asset growth YoY
0.94%
49th percentile
Loan growth YoY
-4.48%
44th percentile
Share growth YoY
-1.58%
37th percentile

Operations

Members / branch
2,625
88th percentile
Assets / member
$17,072
92th percentile
Field of membership penetration
65.63%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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