Alloy

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

$28.3M

75^th percentile

Members

4,851

97^th percentile

Total loans

$18.2M

86^th percentile

Total shares

$24.1M

75^th percentile

Profitability

Return on assets

1.41%

76^th percentile

Net interest margin

4.21%

59^th percentile

Efficiency ratio

68.85%

45^th percentile

Non-interest income ratio

25.19%

90^th percentile

Capital & Risk

Net worth ratio

14.94%

50^th percentile

Delinquency rate

1.83%

27^th percentile

Net charge-off rate

0.52%

31^th percentile

Loan-to-share

75.83%

71^th percentile

Growth

Member growth YoY

3.21%

90^th percentile

Asset growth YoY

8.16%

88^th percentile

Loan growth YoY

-7.61%

32^th percentile

Share growth YoY

8.18%

87^th percentile

Operations

Members / branch

2,426

86^th percentile

Assets / member

$5,842

22^th percentile

Field of membership penetration

12.44%

26^th percentile

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