I B E W 175

CHATTANOOGA, TN · 1 · Charter #14634 · www.ibew175fcu.com
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
$13.0M
49th percentile
Members
1,625
56th percentile
Total loans
$9.5M
63th percentile
Total shares
$9.4M
46th percentile

Profitability

Return on assets
2.46%
96th percentile
Net interest margin
6.33%
96th percentile
Efficiency ratio
52.90%
79th percentile
Non-interest income ratio
3.54%
27th percentile

Capital & Risk

Net worth ratio
17.02%
62th percentile
Delinquency rate
5.24%
7th percentile
Net charge-off rate
1.11%
15th percentile
Loan-to-share
101.19%
94th percentile

Growth

Member growth YoY
2.01%
83th percentile
Asset growth YoY
7.63%
86th percentile
Loan growth YoY
-2.61%
52th percentile
Share growth YoY
7.90%
87th percentile

Operations

Members / branch
1,625
68th percentile
Assets / member
$7,999
39th percentile
Field of membership penetration
36.85%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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