Ocean State

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$341.8M

27^th percentile

Members

21,971

33^th percentile

Total loans

$282.3M

46^th percentile

Total shares

$275.1M

22^th percentile

Profitability

Return on assets

-0.06%

4^th percentile

Net interest margin

3.09%

28^th percentile

Efficiency ratio

64.96%

25^th percentile

Non-interest income ratio

11.98%

12^th percentile

Capital & Risk

Net worth ratio

11.65%

62^th percentile

Delinquency rate

1.21%

19^th percentile

Net charge-off rate

0.04%

96^th percentile

Loan-to-share

102.65%

93^th percentile

Growth

Member growth YoY

-2.46%

20^th percentile

Asset growth YoY

-0.60%

11^th percentile

Loan growth YoY

0.46%

29^th percentile

Share growth YoY

2.47%

32^th percentile

Operations

Members / branch

3,662

30^th percentile

Assets / member

$15,558

45^th percentile

Field of membership penetration

10.99%

74^th percentile

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