Consumer's

Gregory, SD · 1 · Charter #22719 · www.consumersfcu.coop
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
$20.4M
63th percentile
Members
1,600
55th percentile
Total loans
$10.0M
66th percentile
Total shares
$18.3M
65th percentile

Profitability

Return on assets
1.18%
67th percentile
Net interest margin
3.67%
38th percentile
Efficiency ratio
59.01%
67th percentile
Non-interest income ratio
19.14%
81th percentile

Capital & Risk

Net worth ratio
9.67%
14th percentile
Delinquency rate
0.11%
76th percentile
Net charge-off rate
0.25%
48th percentile
Loan-to-share
54.67%
42th percentile

Growth

Member growth YoY
2.50%
87th percentile
Asset growth YoY
6.75%
83th percentile
Loan growth YoY
-1.36%
57th percentile
Share growth YoY
6.20%
81th percentile

Operations

Members / branch
1,600
67th percentile
Assets / member
$12,730
75th percentile
Field of membership penetration
64.00%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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