Stewart's

Saratoga Spring, NY · 1 · Charter #24036 · www.stewartscu.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
$47.1M
98th percentile
Members
4,367
96th percentile
Total loans
$18.2M
85th percentile
Total shares
$43.2M
99th percentile

Profitability

Return on assets
2.03%
91th percentile
Net interest margin
3.08%
21th percentile
Efficiency ratio
35.36%
95th percentile
Non-interest income ratio
15.97%
72th percentile

Capital & Risk

Net worth ratio
8.28%
6th percentile
Delinquency rate
0.68%
51th percentile
Net charge-off rate
0.24%
48th percentile
Loan-to-share
42.21%
24th percentile

Growth

Member growth YoY
8.09%
96th percentile
Asset growth YoY
2.13%
57th percentile
Loan growth YoY
16.77%
94th percentile
Share growth YoY
0.56%
50th percentile

Operations

Members / branch
4,367
98th percentile
Assets / member
$10,796
63th percentile
Field of membership penetration
67.18%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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