Mutual

Vicksburg, MS · 1 · Charter #24948 · www.mutualcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$494.7M
58th percentile
Members
42,845
78th percentile
Total loans
$283.9M
47th percentile
Total shares
$429.0M
59th percentile

Profitability

Return on assets
1.62%
86th percentile
Net interest margin
4.00%
82th percentile
Efficiency ratio
60.98%
41th percentile
Non-interest income ratio
33.13%
96th percentile

Capital & Risk

Net worth ratio
13.45%
80th percentile
Delinquency rate
1.05%
26th percentile
Net charge-off rate
0.88%
15th percentile
Loan-to-share
66.17%
21th percentile

Growth

Member growth YoY
-8.01%
4th percentile
Asset growth YoY
4.90%
48th percentile
Loan growth YoY
15.44%
92th percentile
Share growth YoY
2.66%
33th percentile

Operations

Members / branch
3,895
34th percentile
Assets / member
$11,547
9th percentile
Field of membership penetration
2.77%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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