Linkage

WACO, TX · 2 · Charter #67519 · www.linkagecu.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
$17.9M
59th percentile
Members
1,902
63th percentile
Total loans
$9.7M
65th percentile
Total shares
$14.6M
58th percentile

Profitability

Return on assets
0.77%
48th percentile
Net interest margin
4.63%
73th percentile
Efficiency ratio
76.62%
30th percentile
Non-interest income ratio
23.08%
88th percentile

Capital & Risk

Net worth ratio
18.17%
66th percentile
Delinquency rate
0.71%
50th percentile
Net charge-off rate
0.82%
21th percentile
Loan-to-share
66.61%
59th percentile

Growth

Member growth YoY
-9.51%
6th percentile
Asset growth YoY
2.10%
56th percentile
Loan growth YoY
-6.22%
36th percentile
Share growth YoY
2.23%
60th percentile

Operations

Members / branch
1,902
76th percentile
Assets / member
$9,404
52th percentile
Field of membership penetration
7.61%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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