Natural Resources Conservation Serv

Fort Worth, TX · 1 · Charter #2158 · www.nrcscreditunion.org
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
$5.7M
28th percentile
Members
715
26th percentile
Total loans
$1.8M
21th percentile
Total shares
$4.4M
27th percentile

Profitability

Return on assets
-0.44%
9th percentile
Net interest margin
4.73%
76th percentile
Efficiency ratio
104.16%
5th percentile
Non-interest income ratio
8.70%
48th percentile

Capital & Risk

Net worth ratio
21.41%
79th percentile
Delinquency rate
0.67%
51th percentile
Net charge-off rate
0.07%
64th percentile
Loan-to-share
40.57%
22th percentile

Growth

Member growth YoY
-7.86%
9th percentile
Asset growth YoY
-8.11%
8th percentile
Loan growth YoY
-28.31%
2th percentile
Share growth YoY
-12.20%
5th percentile

Operations

Members / branch
238
10th percentile
Assets / member
$8,020
39th percentile
Field of membership penetration
6.50%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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