Credit Human

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$4.5B

81^th percentile

Members

262,966

83^th percentile

Total loans

$4.1B

88^th percentile

Total shares

$3.5B

80^th percentile

Profitability

Return on assets

-0.02%

4^th percentile

Net interest margin

3.53%

72^th percentile

Efficiency ratio

55.08%

35^th percentile

Non-interest income ratio

6.99%

3^th percentile

Capital & Risk

Net worth ratio

7.02%

0^th percentile

Delinquency rate

1.13%

21^th percentile

Net charge-off rate

0.68%

29^th percentile

Loan-to-share

114.96%

97^th percentile

Growth

Member growth YoY

3.76%

65^th percentile

Asset growth YoY

3.89%

32^th percentile

Loan growth YoY

3.74%

41^th percentile

Share growth YoY

3.82%

32^th percentile

Operations

Members / branch

9,392

69^th percentile

Assets / member

$17,183

42^th percentile

Field of membership penetration

13.65%

75^th percentile

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