Cal-Ed

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

$18.9M

60^th percentile

Members

3,217

87^th percentile

Total loans

$4.6M

41^th percentile

Total shares

$16.0M

61^th percentile

Profitability

Return on assets

0.28%

26^th percentile

Net interest margin

4.29%

62^th percentile

Efficiency ratio

84.90%

17^th percentile

Non-interest income ratio

8.24%

46^th percentile

Capital & Risk

Net worth ratio

14.33%

46^th percentile

Delinquency rate

4.11%

10^th percentile

Net charge-off rate

0.33%

42^th percentile

Loan-to-share

28.93%

11^th percentile

Growth

Member growth YoY

-19.35%

2^th percentile

Asset growth YoY

-6.47%

12^th percentile

Loan growth YoY

-10.95%

21^th percentile

Share growth YoY

-7.21%

14^th percentile

Operations

Members / branch

1,609

68^th percentile

Assets / member

$5,873

22^th percentile

Field of membership penetration

30.31%

44^th percentile

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