Hema

SILVER SPRING, MD · 1 · Charter #19514 · www.hemafcu.org/
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
$16.5M
56th percentile
Members
1,789
60th percentile
Total loans
$7.3M
55th percentile
Total shares
$14.8M
58th percentile

Profitability

Return on assets
0.18%
22th percentile
Net interest margin
3.12%
22th percentile
Efficiency ratio
88.38%
14th percentile
Non-interest income ratio
4.50%
32th percentile

Capital & Risk

Net worth ratio
10.08%
16th percentile
Delinquency rate
0.65%
53th percentile
Net charge-off rate
-0.25%
98th percentile
Loan-to-share
49.39%
33th percentile

Growth

Member growth YoY
-4.48%
20th percentile
Asset growth YoY
-3.68%
21th percentile
Loan growth YoY
3.21%
74th percentile
Share growth YoY
-4.28%
24th percentile

Operations

Members / branch
596
27th percentile
Assets / member
$9,218
50th percentile
Field of membership penetration
14.91%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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