Community First

LAKEVIEW, MI · 1 · Charter #24199 · www.cffcu.biz
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
$146.6M
71th percentile
Members
13,650
85th percentile
Total loans
$123.4M
87th percentile
Total shares
$132.0M
74th percentile

Profitability

Return on assets
1.56%
79th percentile
Net interest margin
5.54%
99th percentile
Efficiency ratio
65.80%
40th percentile
Non-interest income ratio
21.21%
70th percentile

Capital & Risk

Net worth ratio
8.18%
4th percentile
Delinquency rate
1.38%
21th percentile
Net charge-off rate
0.41%
43th percentile
Loan-to-share
93.50%
91th percentile

Growth

Member growth YoY
2.92%
85th percentile
Asset growth YoY
7.68%
79th percentile
Loan growth YoY
6.24%
76th percentile
Share growth YoY
9.09%
85th percentile

Operations

Members / branch
2,730
40th percentile
Assets / member
$10,737
19th percentile
Field of membership penetration
8.20%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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