Western Springs

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

$3.9M

20^th percentile

Members

465

16^th percentile

Total loans

$1.5M

19^th percentile

Total shares

$3.2M

22^th percentile

Profitability

Return on assets

0.89%

53^th percentile

Net interest margin

3.76%

42^th percentile

Efficiency ratio

45.08%

88^th percentile

Non-interest income ratio

0.68%

12^th percentile

Capital & Risk

Net worth ratio

17.37%

63^th percentile

Delinquency rate

0.35%

64^th percentile

Net charge-off rate

1.83%

7^th percentile

Loan-to-share

46.28%

29^th percentile

Growth

Member growth YoY

0.87%

77^th percentile

Asset growth YoY

5.88%

79^th percentile

Loan growth YoY

-10.15%

24^th percentile

Share growth YoY

5.98%

80^th percentile

Operations

Members / branch

465

21^th percentile

Assets / member

$8,389

42^th percentile

Field of membership penetration

35.77%

50^th percentile

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