Heard A.M.E.

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

$176.1K

1^th percentile

Members

167

5^th percentile

Total loans

$51.7K

3^th percentile

Total shares

$160.8K

2^th percentile

Profitability

Return on assets

2.12%

92^th percentile

Net interest margin

4.30%

62^th percentile

Efficiency ratio

62.96%

58^th percentile

Non-interest income ratio

26.06%

91^th percentile

Capital & Risk

Net worth ratio

7.94%

5^th percentile

Delinquency rate

0.85%

45^th percentile

Net charge-off rate

0.00%

90^th percentile

Loan-to-share

32.14%

14^th percentile

Growth

Member growth YoY

-8.24%

8^th percentile

Asset growth YoY

-9.15%

7^th percentile

Loan growth YoY

92.43%

100^th percentile

Share growth YoY

-11.74%

6^th percentile

Operations

Members / branch

167

6^th percentile

Assets / member

$1,055

1^th percentile

Field of membership penetration

66.80%

82^th percentile

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