Edu

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

$43.7M

94^th percentile

Members

8,064

100^th percentile

Total loans

$21.4M

91^th percentile

Total shares

$40.6M

98^th percentile

Profitability

Return on assets

0.72%

45^th percentile

Net interest margin

3.60%

36^th percentile

Efficiency ratio

82.76%

20^th percentile

Non-interest income ratio

18.14%

79^th percentile

Capital & Risk

Net worth ratio

6.99%

2^th percentile

Delinquency rate

2.72%

17^th percentile

Net charge-off rate

0.31%

43^th percentile

Loan-to-share

52.58%

38^th percentile

Growth

Member growth YoY

-5.72%

14^th percentile

Asset growth YoY

-1.29%

34^th percentile

Loan growth YoY

2.90%

73^th percentile

Share growth YoY

-2.45%

32^th percentile

Operations

Members / branch

4,032

98^th percentile

Assets / member

$5,425

19^th percentile

Field of membership penetration

26.88%

40^th percentile

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