Guernsey Community

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

$1.8M

12^th percentile

Members

260

8^th percentile

Total loans

$1.5M

19^th percentile

Total shares

$1.3M

11^th percentile

Profitability

Return on assets

1.98%

90^th percentile

Net interest margin

6.48%

97^th percentile

Efficiency ratio

63.76%

56^th percentile

Non-interest income ratio

11.82%

59^th percentile

Capital & Risk

Net worth ratio

20.55%

76^th percentile

Delinquency rate

14.20%

1^th percentile

Net charge-off rate

0.00%

90^th percentile

Loan-to-share

118.20%

98^th percentile

Growth

Member growth YoY

-9.09%

7^th percentile

Asset growth YoY

2.02%

56^th percentile

Loan growth YoY

-3.28%

49^th percentile

Share growth YoY

-0.37%

44^th percentile

Operations

Members / branch

260

11^th percentile

Assets / member

$7,048

31^th percentile

Field of membership penetration

2.60%

13^th percentile

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