Rushmore Electric

Rapid City, SD · 1 · Charter #16444 · www.refcu.coop
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
$28.7M
76th percentile
Members
1,424
50th percentile
Total loans
$7.3M
56th percentile
Total shares
$25.7M
78th percentile

Profitability

Return on assets
0.61%
41th percentile
Net interest margin
2.26%
7th percentile
Efficiency ratio
49.08%
84th percentile
Non-interest income ratio
8.12%
45th percentile

Capital & Risk

Net worth ratio
9.76%
14th percentile
Delinquency rate
0.22%
69th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
28.62%
11th percentile

Growth

Member growth YoY
-5.82%
14th percentile
Asset growth YoY
19.51%
98th percentile
Loan growth YoY
-0.98%
59th percentile
Share growth YoY
21.16%
98th percentile

Operations

Members / branch
1,424
62th percentile
Assets / member
$20,143
96th percentile
Field of membership penetration
46.46%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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