Mutual First

Omaha, NE · 1 · Charter #24540 · www.mutualfirst.com
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
$118.2M
57th percentile
Members
10,061
69th percentile
Total loans
$89.2M
70th percentile
Total shares
$103.8M
58th percentile

Profitability

Return on assets
0.69%
28th percentile
Net interest margin
4.04%
71th percentile
Efficiency ratio
67.76%
34th percentile
Non-interest income ratio
17.29%
50th percentile

Capital & Risk

Net worth ratio
8.37%
6th percentile
Delinquency rate
2.42%
7th percentile
Net charge-off rate
0.81%
15th percentile
Loan-to-share
85.96%
81th percentile

Growth

Member growth YoY
-10.64%
3th percentile
Asset growth YoY
-1.82%
12th percentile
Loan growth YoY
0.67%
46th percentile
Share growth YoY
0.22%
25th percentile

Operations

Members / branch
3,354
56th percentile
Assets / member
$11,752
26th percentile
Field of membership penetration
1.06%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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