Tri State Rail

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

$20.0M

62^th percentile

Members

2,224

72^th percentile

Total loans

$6.3M

51^th percentile

Total shares

$16.0M

61^th percentile

Profitability

Return on assets

0.99%

59^th percentile

Net interest margin

3.58%

35^th percentile

Efficiency ratio

72.26%

39^th percentile

Non-interest income ratio

9.71%

52^th percentile

Capital & Risk

Net worth ratio

19.68%

73^th percentile

Delinquency rate

0.58%

54^th percentile

Net charge-off rate

0.50%

32^th percentile

Loan-to-share

39.45%

21^th percentile

Growth

Member growth YoY

-5.40%

16^th percentile

Asset growth YoY

-3.21%

24^th percentile

Loan growth YoY

-11.58%

19^th percentile

Share growth YoY

-4.89%

21^th percentile

Operations

Members / branch

741

35^th percentile

Assets / member

$8,996

47^th percentile

Field of membership penetration

17.41%

30^th percentile

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