Mutual Savings

Birmingham, AL · 2 · Charter #60501 · www.mutualsavings.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
$240.8M
98th percentile
Members
19,114
97th percentile
Total loans
$144.9M
94th percentile
Total shares
$212.0M
99th percentile

Profitability

Return on assets
0.24%
8th percentile
Net interest margin
3.20%
26th percentile
Efficiency ratio
75.62%
13th percentile
Non-interest income ratio
31.14%
94th percentile

Capital & Risk

Net worth ratio
9.00%
11th percentile
Delinquency rate
0.10%
94th percentile
Net charge-off rate
0.18%
70th percentile
Loan-to-share
68.36%
51th percentile

Growth

Member growth YoY
-0.93%
46th percentile
Asset growth YoY
2.14%
35th percentile
Loan growth YoY
4.80%
70th percentile
Share growth YoY
1.53%
34th percentile

Operations

Members / branch
2,731
40th percentile
Assets / member
$12,601
34th percentile
Field of membership penetration
2.30%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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