Act 1st

LaVale, MD · 1 · Charter #6679 · www.act1stfcu.org
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
$145.2M
71th percentile
Members
11,961
79th percentile
Total loans
$106.5M
79th percentile
Total shares
$133.6M
75th percentile

Profitability

Return on assets
1.41%
73th percentile
Net interest margin
3.99%
68th percentile
Efficiency ratio
55.07%
71th percentile
Non-interest income ratio
13.72%
33th percentile

Capital & Risk

Net worth ratio
7.93%
3th percentile
Delinquency rate
1.60%
15th percentile
Net charge-off rate
0.76%
17th percentile
Loan-to-share
79.74%
70th percentile

Growth

Member growth YoY
1.00%
69th percentile
Asset growth YoY
2.08%
35th percentile
Loan growth YoY
-2.71%
28th percentile
Share growth YoY
1.61%
35th percentile

Operations

Members / branch
3,987
69th percentile
Assets / member
$12,143
30th percentile
Field of membership penetration
2.84%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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