Area

ABERDEEN, SD · 1 · Charter #274 · www.areafcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$196.3M
88th percentile
Members
11,726
78th percentile
Total loans
$133.4M
91th percentile
Total shares
$163.0M
86th percentile

Profitability

Return on assets
1.47%
76th percentile
Net interest margin
3.81%
59th percentile
Efficiency ratio
51.19%
81th percentile
Non-interest income ratio
11.34%
21th percentile

Capital & Risk

Net worth ratio
16.72%
85th percentile
Delinquency rate
0.55%
61th percentile
Net charge-off rate
0.12%
80th percentile
Loan-to-share
81.87%
75th percentile

Growth

Member growth YoY
1.23%
72th percentile
Asset growth YoY
6.75%
75th percentile
Loan growth YoY
11.05%
89th percentile
Share growth YoY
6.32%
73th percentile

Operations

Members / branch
3,909
68th percentile
Assets / member
$16,743
69th percentile
Field of membership penetration
13.39%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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