Sp Trainmen

Houston, TX · 1 · Charter #9496
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
$2.7M
15th percentile
Members
476
16th percentile
Total loans
$717.7K
12th percentile
Total shares
$1.8M
14th percentile

Profitability

Return on assets
-9.41%
1th percentile
Net interest margin
2.72%
13th percentile
Efficiency ratio
278.56%
0th percentile
Non-interest income ratio
0.94%
13th percentile

Capital & Risk

Net worth ratio
10.56%
19th percentile
Delinquency rate
5.07%
7th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
40.79%
23th percentile

Growth

Member growth YoY
-4.42%
20th percentile
Asset growth YoY
-8.25%
8th percentile
Loan growth YoY
-9.77%
25th percentile
Share growth YoY
4.86%
74th percentile

Operations

Members / branch
476
22th percentile
Assets / member
$5,664
21th percentile
Field of membership penetration
47.60%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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