Seg

LAUREL, MT · 1 · Charter #7405 · www.segfcu.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
$25.3M
70th percentile
Members
1,987
65th percentile
Total loans
$17.3M
83th percentile
Total shares
$21.9M
72th percentile

Profitability

Return on assets
1.57%
81th percentile
Net interest margin
4.09%
55th percentile
Efficiency ratio
57.02%
72th percentile
Non-interest income ratio
17.83%
78th percentile

Capital & Risk

Net worth ratio
12.35%
33th percentile
Delinquency rate
0.41%
61th percentile
Net charge-off rate
0.53%
30th percentile
Loan-to-share
79.10%
75th percentile

Growth

Member growth YoY
2.21%
86th percentile
Asset growth YoY
-1.27%
34th percentile
Loan growth YoY
0.40%
64th percentile
Share growth YoY
-2.21%
33th percentile

Operations

Members / branch
1,987
77th percentile
Assets / member
$12,714
75th percentile
Field of membership penetration
33.12%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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