Heritage Grove

Salem, OR · 1 · Charter #16113 · www.ourgrovecu.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
$164.0M
77th percentile
Members
8,422
57th percentile
Total loans
$102.5M
77th percentile
Total shares
$144.1M
79th percentile

Profitability

Return on assets
0.94%
43th percentile
Net interest margin
3.77%
56th percentile
Efficiency ratio
64.69%
44th percentile
Non-interest income ratio
12.48%
27th percentile

Capital & Risk

Net worth ratio
11.76%
44th percentile
Delinquency rate
1.40%
19th percentile
Net charge-off rate
0.69%
19th percentile
Loan-to-share
71.10%
55th percentile

Growth

Member growth YoY
-3.48%
20th percentile
Asset growth YoY
6.86%
75th percentile
Loan growth YoY
-2.39%
29th percentile
Share growth YoY
2.70%
43th percentile

Operations

Members / branch
8,422
96th percentile
Assets / member
$19,472
82th percentile
Field of membership penetration
0.34%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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