Golden Triangle

Groves, TX · 1 · Charter #8298 · www.gtfcu.coop
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
$38.4M
88th percentile
Members
2,319
73th percentile
Total loans
$15.6M
80th percentile
Total shares
$31.3M
87th percentile

Profitability

Return on assets
1.10%
64th percentile
Net interest margin
4.08%
54th percentile
Efficiency ratio
70.48%
42th percentile
Non-interest income ratio
16.79%
75th percentile

Capital & Risk

Net worth ratio
18.38%
67th percentile
Delinquency rate
0.52%
57th percentile
Net charge-off rate
0.14%
57th percentile
Loan-to-share
49.66%
34th percentile

Growth

Member growth YoY
-3.33%
30th percentile
Asset growth YoY
9.19%
90th percentile
Loan growth YoY
-6.94%
33th percentile
Share growth YoY
9.50%
90th percentile

Operations

Members / branch
1,160
53th percentile
Assets / member
$16,550
90th percentile
Field of membership penetration
23.19%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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