Salt City

Solvay, NY · 1 · Charter #8512 · www.saltcityfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$109.5M
52th percentile
Members
7,013
45th percentile
Total loans
$69.6M
58th percentile
Total shares
$98.5M
55th percentile

Profitability

Return on assets
0.96%
45th percentile
Net interest margin
3.30%
31th percentile
Efficiency ratio
62.54%
50th percentile
Non-interest income ratio
24.64%
82th percentile

Capital & Risk

Net worth ratio
9.47%
16th percentile
Delinquency rate
1.06%
31th percentile
Net charge-off rate
0.23%
62th percentile
Loan-to-share
70.63%
54th percentile

Growth

Member growth YoY
5.16%
93th percentile
Asset growth YoY
5.71%
66th percentile
Loan growth YoY
16.60%
95th percentile
Share growth YoY
5.22%
66th percentile

Operations

Members / branch
3,507
59th percentile
Assets / member
$15,616
60th percentile
Field of membership penetration
46.75%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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