The Finest

New York, NY · 1 · Charter #24862 · www.thefinestfcu.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
$34.5M
83th percentile
Members
12,125
100th percentile
Total loans
$29.4M
98th percentile
Total shares
$23.2M
74th percentile

Profitability

Return on assets
7.92%
100th percentile
Net interest margin
7.78%
99th percentile
Efficiency ratio
46.61%
87th percentile
Non-interest income ratio
47.38%
98th percentile

Capital & Risk

Net worth ratio
24.43%
85th percentile
Delinquency rate
1.31%
35th percentile
Net charge-off rate
2.66%
4th percentile
Loan-to-share
127.10%
99th percentile

Growth

Member growth YoY
20.98%
98th percentile
Asset growth YoY
14.82%
97th percentile
Loan growth YoY
4.64%
78th percentile
Share growth YoY
13.89%
95th percentile

Operations

Members / branch
12,125
100th percentile
Assets / member
$2,844
6th percentile
Field of membership penetration
12.13%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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