Coopers Cave

Glens Falls, NY · 1 · Charter #12671 · www.cooperscavefcu.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
$21.1M
64th percentile
Members
1,922
64th percentile
Total loans
$9.0M
62th percentile
Total shares
$19.2M
67th percentile

Profitability

Return on assets
1.15%
66th percentile
Net interest margin
3.80%
43th percentile
Efficiency ratio
73.24%
37th percentile
Non-interest income ratio
14.78%
68th percentile

Capital & Risk

Net worth ratio
7.81%
4th percentile
Delinquency rate
0.30%
66th percentile
Net charge-off rate
-0.04%
94th percentile
Loan-to-share
46.64%
30th percentile

Growth

Member growth YoY
-6.74%
11th percentile
Asset growth YoY
1.51%
52th percentile
Loan growth YoY
-8.31%
29th percentile
Share growth YoY
0.47%
50th percentile

Operations

Members / branch
961
45th percentile
Assets / member
$10,997
64th percentile
Field of membership penetration
1.53%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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