Local 804

Port Washington, NY · 1 · Charter #23144 · www.cu804.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
$21.8M
65th percentile
Members
3,168
87th percentile
Total loans
$13.9M
76th percentile
Total shares
$15.2M
59th percentile

Profitability

Return on assets
2.75%
97th percentile
Net interest margin
5.67%
93th percentile
Efficiency ratio
60.90%
62th percentile
Non-interest income ratio
24.46%
90th percentile

Capital & Risk

Net worth ratio
30.48%
93th percentile
Delinquency rate
3.77%
11th percentile
Net charge-off rate
0.56%
29th percentile
Loan-to-share
91.82%
89th percentile

Growth

Member growth YoY
0.80%
76th percentile
Asset growth YoY
6.11%
80th percentile
Loan growth YoY
-1.52%
57th percentile
Share growth YoY
5.33%
77th percentile

Operations

Members / branch
1,584
67th percentile
Assets / member
$6,885
29th percentile
Field of membership penetration
21.12%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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