Montgomery Va

MONTGOMERY, AL · 1 · Charter #5345 · WWW.MVAFCU.ORG
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
$6.4M
31th percentile
Members
747
27th percentile
Total loans
$1.5M
19th percentile
Total shares
$5.7M
33th percentile

Profitability

Return on assets
-0.25%
11th percentile
Net interest margin
3.98%
50th percentile
Efficiency ratio
96.09%
8th percentile
Non-interest income ratio
9.25%
50th percentile

Capital & Risk

Net worth ratio
11.56%
26th percentile
Delinquency rate
3.55%
12th percentile
Net charge-off rate
0.37%
40th percentile
Loan-to-share
26.21%
9th percentile

Growth

Member growth YoY
-5.92%
13th percentile
Asset growth YoY
-5.49%
15th percentile
Loan growth YoY
-27.12%
3th percentile
Share growth YoY
-5.41%
19th percentile

Operations

Members / branch
747
35th percentile
Assets / member
$8,580
44th percentile
Field of membership penetration
41.50%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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