Sound

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$118.6M

57^th percentile

Members

8,844

60^th percentile

Total loans

$91.8M

72^th percentile

Total shares

$101.6M

57^th percentile

Profitability

Return on assets

0.28%

9^th percentile

Net interest margin

4.35%

85^th percentile

Efficiency ratio

71.05%

24^th percentile

Non-interest income ratio

14.20%

35^th percentile

Capital & Risk

Net worth ratio

6.77%

1^th percentile

Delinquency rate

0.83%

43^th percentile

Net charge-off rate

0.36%

47^th percentile

Loan-to-share

90.35%

87^th percentile

Growth

Member growth YoY

-3.81%

18^th percentile

Asset growth YoY

-4.84%

3^th percentile

Loan growth YoY

-4.17%

21^th percentile

Share growth YoY

-4.51%

5^th percentile

Operations

Members / branch

2,948

46^th percentile

Assets / member

$13,407

42^th percentile

Field of membership penetration

0.44%

4^th percentile

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