E M O T

Abilene, TX · 1 · Charter #9457
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
$9.2M
39th percentile
Members
464
16th percentile
Total loans
$2.8M
29th percentile
Total shares
$5.5M
32th percentile

Profitability

Return on assets
1.19%
67th percentile
Net interest margin
3.43%
31th percentile
Efficiency ratio
37.80%
94th percentile
Non-interest income ratio
0.88%
13th percentile

Capital & Risk

Net worth ratio
39.37%
97th percentile
Delinquency rate
1.67%
28th percentile
Net charge-off rate
0.74%
23th percentile
Loan-to-share
50.09%
35th percentile

Growth

Member growth YoY
-7.94%
8th percentile
Asset growth YoY
0.29%
44th percentile
Loan growth YoY
2.04%
70th percentile
Share growth YoY
-1.40%
38th percentile

Operations

Members / branch
232
9th percentile
Assets / member
$19,814
96th percentile
Field of membership penetration
25.78%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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