Members Heritage

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

$564.0M

65^th percentile

Members

54,440

91^th percentile

Total loans

$363.9M

62^th percentile

Total shares

$490.8M

66^th percentile

Profitability

Return on assets

1.03%

55^th percentile

Net interest margin

2.64%

10^th percentile

Efficiency ratio

52.57%

75^th percentile

Non-interest income ratio

16.87%

36^th percentile

Capital & Risk

Net worth ratio

12.70%

74^th percentile

Delinquency rate

0.41%

79^th percentile

Net charge-off rate

0.22%

74^th percentile

Loan-to-share

74.14%

35^th percentile

Growth

Member growth YoY

0.09%

44^th percentile

Asset growth YoY

5.22%

50^th percentile

Loan growth YoY

-0.45%

23^th percentile

Share growth YoY

4.92%

53^th percentile

Operations

Members / branch

10,888

95^th percentile

Assets / member

$10,360

4^th percentile

Field of membership penetration

5.93%

60^th percentile

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