The Heart Center

ROSLYN, NY · 1 · Charter #22456 · www.theheartcentercu.com
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
$20.2M
62th percentile
Members
2,533
77th percentile
Total loans
$10.8M
68th percentile
Total shares
$17.1M
63th percentile

Profitability

Return on assets
0.91%
54th percentile
Net interest margin
3.50%
33th percentile
Efficiency ratio
64.12%
56th percentile
Non-interest income ratio
8.57%
47th percentile

Capital & Risk

Net worth ratio
15.44%
53th percentile
Delinquency rate
1.88%
26th percentile
Net charge-off rate
0.07%
64th percentile
Loan-to-share
63.04%
53th percentile

Growth

Member growth YoY
0.04%
68th percentile
Asset growth YoY
0.52%
45th percentile
Loan growth YoY
-2.42%
52th percentile
Share growth YoY
-0.37%
44th percentile

Operations

Members / branch
2,533
87th percentile
Assets / member
$7,992
39th percentile
Field of membership penetration
63.32%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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