Members Choice

ASHLAND, KY · 2 · Charter #62026 · www.mccu.net
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

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
$422.1M
46th percentile
Members
23,228
36th percentile
Total loans
$288.4M
48th percentile
Total shares
$374.9M
49th percentile

Profitability

Return on assets
0.96%
49th percentile
Net interest margin
3.08%
27th percentile
Efficiency ratio
51.87%
77th percentile
Non-interest income ratio
19.31%
53th percentile

Capital & Risk

Net worth ratio
8.22%
7th percentile
Delinquency rate
0.73%
47th percentile
Net charge-off rate
0.55%
36th percentile
Loan-to-share
76.91%
40th percentile

Growth

Member growth YoY
-3.09%
17th percentile
Asset growth YoY
3.25%
36th percentile
Loan growth YoY
5.34%
57th percentile
Share growth YoY
0.94%
17th percentile

Operations

Members / branch
3,318
22th percentile
Assets / member
$18,171
65th percentile
Field of membership penetration
3.63%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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