WEPCO

BLOOMINGTON, MD · 1 · Charter #6685 · www.wepcofcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$380.3M
36th percentile
Members
41,798
76th percentile
Total loans
$255.0M
38th percentile
Total shares
$320.7M
35th percentile

Profitability

Return on assets
2.15%
97th percentile
Net interest margin
4.29%
90th percentile
Efficiency ratio
49.35%
83th percentile
Non-interest income ratio
16.34%
33th percentile

Capital & Risk

Net worth ratio
15.36%
92th percentile
Delinquency rate
1.13%
23th percentile
Net charge-off rate
0.87%
15th percentile
Loan-to-share
79.51%
47th percentile

Growth

Member growth YoY
1.83%
64th percentile
Asset growth YoY
1.78%
22th percentile
Loan growth YoY
-3.49%
12th percentile
Share growth YoY
0.42%
15th percentile

Operations

Members / branch
5,225
61th percentile
Assets / member
$9,099
1th percentile
Field of membership penetration
24.90%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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