Conservation Employees

Jefferson City, MO · 2 · Charter #64199 · www.cecuonline.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$188.0M
86th percentile
Members
9,445
65th percentile
Total loans
$119.6M
86th percentile
Total shares
$170.5M
89th percentile

Profitability

Return on assets
1.03%
50th percentile
Net interest margin
2.52%
6th percentile
Efficiency ratio
42.38%
93th percentile
Non-interest income ratio
10.81%
19th percentile

Capital & Risk

Net worth ratio
9.50%
17th percentile
Delinquency rate
0.06%
96th percentile
Net charge-off rate
0.02%
96th percentile
Loan-to-share
70.18%
54th percentile

Growth

Member growth YoY
1.92%
78th percentile
Asset growth YoY
11.20%
91th percentile
Loan growth YoY
1.90%
54th percentile
Share growth YoY
10.58%
89th percentile

Operations

Members / branch
9,445
97th percentile
Assets / member
$19,901
84th percentile
Field of membership penetration
78.71%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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