Signal Financial

Kensington, MD · 1 · Charter #5571 · www.signalfinancialfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$381.3M
36th percentile
Members
18,456
18th percentile
Total loans
$285.3M
47th percentile
Total shares
$314.3M
33th percentile

Profitability

Return on assets
0.52%
21th percentile
Net interest margin
3.18%
32th percentile
Efficiency ratio
66.51%
22th percentile
Non-interest income ratio
29.56%
93th percentile

Capital & Risk

Net worth ratio
9.17%
20th percentile
Delinquency rate
0.74%
47th percentile
Net charge-off rate
0.46%
45th percentile
Loan-to-share
90.76%
76th percentile

Growth

Member growth YoY
-18.14%
1th percentile
Asset growth YoY
-2.83%
6th percentile
Loan growth YoY
-3.03%
14th percentile
Share growth YoY
-5.03%
2th percentile

Operations

Members / branch
4,614
50th percentile
Assets / member
$20,661
78th percentile
Field of membership penetration
1.83%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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