Wcu Credit Union

Decatur, AL · 2 · Charter #61150 · www.wcucu.com
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
$34.1M
83th percentile
Members
3,375
89th percentile
Total loans
$17.5M
84th percentile
Total shares
$30.9M
86th percentile

Profitability

Return on assets
0.54%
37th percentile
Net interest margin
3.93%
48th percentile
Efficiency ratio
84.88%
17th percentile
Non-interest income ratio
24.90%
90th percentile

Capital & Risk

Net worth ratio
9.23%
11th percentile
Delinquency rate
0.25%
68th percentile
Net charge-off rate
0.04%
69th percentile
Loan-to-share
56.67%
45th percentile

Growth

Member growth YoY
0.06%
68th percentile
Asset growth YoY
-1.01%
36th percentile
Loan growth YoY
0.77%
66th percentile
Share growth YoY
-1.39%
38th percentile

Operations

Members / branch
1,688
70th percentile
Assets / member
$10,104
56th percentile
Field of membership penetration
51.92%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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