Cobalt

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.3B

21^th percentile

Members

116,118

48^th percentile

Total loans

$1.1B

30^th percentile

Total shares

$1.1B

24^th percentile

Profitability

Return on assets

1.53%

83^th percentile

Net interest margin

3.87%

87^th percentile

Efficiency ratio

52.28%

48^th percentile

Non-interest income ratio

22.21%

76^th percentile

Capital & Risk

Net worth ratio

8.82%

10^th percentile

Delinquency rate

0.84%

41^th percentile

Net charge-off rate

0.78%

24^th percentile

Loan-to-share

94.55%

66^th percentile

Growth

Member growth YoY

-0.81%

20^th percentile

Asset growth YoY

-0.58%

10^th percentile

Loan growth YoY

5.68%

55^th percentile

Share growth YoY

-1.75%

5^th percentile

Operations

Members / branch

6,111

32^th percentile

Assets / member

$11,401

3^th percentile

Field of membership penetration

11.33%

70^th percentile

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