Academic Employees

Columbia, MO · 2 · Charter #67695 · www.academicecu.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
$16.4M
56th percentile
Members
1,393
49th percentile
Total loans
$8.3M
59th percentile
Total shares
$15.2M
59th percentile

Profitability

Return on assets
1.53%
80th percentile
Net interest margin
4.63%
73th percentile
Efficiency ratio
70.99%
41th percentile
Non-interest income ratio
14.22%
66th percentile

Capital & Risk

Net worth ratio
7.59%
4th percentile
Delinquency rate
1.09%
39th percentile
Net charge-off rate
0.17%
54th percentile
Loan-to-share
54.93%
42th percentile

Growth

Member growth YoY
-2.04%
43th percentile
Asset growth YoY
11.37%
93th percentile
Loan growth YoY
-2.69%
51th percentile
Share growth YoY
10.75%
92th percentile

Operations

Members / branch
1,393
61th percentile
Assets / member
$11,776
69th percentile
Field of membership penetration
9.29%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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