Vicinity

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$200.1M

89^th percentile

Members

18,678

97^th percentile

Total loans

$96.7M

74^th percentile

Total shares

$188.3M

94^th percentile

Profitability

Return on assets

-1.90%

0^th percentile

Net interest margin

3.01%

19^th percentile

Efficiency ratio

95.33%

1^th percentile

Non-interest income ratio

16.28%

45^th percentile

Capital & Risk

Net worth ratio

8.79%

9^th percentile

Delinquency rate

0.73%

49^th percentile

Net charge-off rate

1.59%

4^th percentile

Loan-to-share

51.35%

21^th percentile

Growth

Member growth YoY

-1.79%

36^th percentile

Asset growth YoY

-27.33%

0^th percentile

Loan growth YoY

-11.83%

3^th percentile

Share growth YoY

-6.20%

2^th percentile

Operations

Members / branch

6,226

91^th percentile

Assets / member

$10,712

18^th percentile

Field of membership penetration

0.62%

8^th percentile

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