L'oreal Usa

Mountainside, NJ · 1 · Charter #21109 · www.lorealusafcu.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
$20.8M
63th percentile
Members
1,705
58th percentile
Total loans
$7.2M
55th percentile
Total shares
$15.4M
60th percentile

Profitability

Return on assets
-0.19%
12th percentile
Net interest margin
3.32%
28th percentile
Efficiency ratio
101.65%
6th percentile
Non-interest income ratio
13.56%
65th percentile

Capital & Risk

Net worth ratio
25.87%
88th percentile
Delinquency rate
0.48%
59th percentile
Net charge-off rate
1.13%
15th percentile
Loan-to-share
46.96%
30th percentile

Growth

Member growth YoY
-9.45%
6th percentile
Asset growth YoY
-2.15%
29th percentile
Loan growth YoY
-9.83%
25th percentile
Share growth YoY
-2.58%
31th percentile

Operations

Members / branch
1,705
70th percentile
Assets / member
$12,173
72th percentile
Field of membership penetration
48.71%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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