Grand Central Terminal Employees

NEW YORK, NY · 1 · Charter #1059
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
$6.9M
32th percentile
Members
1,426
50th percentile
Total loans
$1.3M
17th percentile
Total shares
$6.1M
34th percentile

Profitability

Return on assets
-0.78%
6th percentile
Net interest margin
4.24%
61th percentile
Efficiency ratio
108.09%
4th percentile
Non-interest income ratio
7.50%
43th percentile

Capital & Risk

Net worth ratio
11.72%
28th percentile
Delinquency rate
0.73%
49th percentile
Net charge-off rate
1.06%
16th percentile
Loan-to-share
20.72%
6th percentile

Growth

Member growth YoY
-6.00%
13th percentile
Asset growth YoY
-1.47%
33th percentile
Loan growth YoY
-14.79%
12th percentile
Share growth YoY
-0.75%
42th percentile

Operations

Members / branch
1,426
62th percentile
Assets / member
$4,829
16th percentile
Field of membership penetration
57.04%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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