Sweet Home

AMHERST, NY · 1 · Charter #11470 · WWW.SWEETHOMEFCU.ORG
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
$44.8M
95th percentile
Members
2,864
82th percentile
Total loans
$20.8M
90th percentile
Total shares
$39.1M
97th percentile

Profitability

Return on assets
1.84%
88th percentile
Net interest margin
3.86%
46th percentile
Efficiency ratio
57.07%
71th percentile
Non-interest income ratio
14.62%
67th percentile

Capital & Risk

Net worth ratio
12.65%
35th percentile
Delinquency rate
0.49%
58th percentile
Net charge-off rate
-0.01%
92th percentile
Loan-to-share
53.26%
39th percentile

Growth

Member growth YoY
-2.35%
40th percentile
Asset growth YoY
5.28%
75th percentile
Loan growth YoY
-2.10%
54th percentile
Share growth YoY
3.79%
68th percentile

Operations

Members / branch
2,864
91th percentile
Assets / member
$15,636
87th percentile
Field of membership penetration
0.95%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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