Common Trust

Woburn, MA · 1 · Charter #17847 · www.commontrustfcu.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
$97.0M
44th percentile
Members
4,827
22th percentile
Total loans
$40.8M
29th percentile
Total shares
$90.0M
49th percentile

Profitability

Return on assets
0.08%
5th percentile
Net interest margin
2.64%
8th percentile
Efficiency ratio
77.98%
10th percentile
Non-interest income ratio
9.16%
13th percentile

Capital & Risk

Net worth ratio
9.79%
20th percentile
Delinquency rate
0.38%
74th percentile
Net charge-off rate
0.28%
55th percentile
Loan-to-share
45.38%
14th percentile

Growth

Member growth YoY
42.10%
99th percentile
Asset growth YoY
74.02%
100th percentile
Loan growth YoY
34.43%
99th percentile
Share growth YoY
69.07%
100th percentile

Operations

Members / branch
1,207
4th percentile
Assets / member
$20,096
85th percentile
Field of membership penetration
1.20%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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