1897

Salisbury, MD · 1 · Charter #23125
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$3.4M
18th percentile
Members
820
31th percentile
Total loans
$455.5K
9th percentile
Total shares
$2.3M
17th percentile

Profitability

Return on assets
1.92%
89th percentile
Net interest margin
5.35%
89th percentile
Efficiency ratio
61.59%
61th percentile
Non-interest income ratio
0.58%
11th percentile

Capital & Risk

Net worth ratio
30.98%
93th percentile
Delinquency rate
0.43%
60th percentile
Net charge-off rate
0.01%
73th percentile
Loan-to-share
19.60%
5th percentile

Growth

Member growth YoY
-9.69%
6th percentile
Asset growth YoY
-7.20%
10th percentile
Loan growth YoY
-23.89%
4th percentile
Share growth YoY
-12.39%
5th percentile

Operations

Members / branch
820
39th percentile
Assets / member
$4,124
11th percentile
Field of membership penetration
34.17%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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