Efcu Financial

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.2B

17^th percentile

Members

70,858

19^th percentile

Total loans

$1.1B

33^th percentile

Total shares

$1.0B

15^th percentile

Profitability

Return on assets

1.06%

54^th percentile

Net interest margin

2.63%

19^th percentile

Efficiency ratio

36.93%

91^th percentile

Non-interest income ratio

16.37%

35^th percentile

Capital & Risk

Net worth ratio

9.72%

24^th percentile

Delinquency rate

0.33%

87^th percentile

Net charge-off rate

0.32%

75^th percentile

Loan-to-share

108.60%

93^th percentile

Growth

Member growth YoY

4.11%

68^th percentile

Asset growth YoY

6.35%

56^th percentile

Loan growth YoY

7.34%

64^th percentile

Share growth YoY

8.03%

70^th percentile

Operations

Members / branch

8,857

64^th percentile

Assets / member

$17,508

46^th percentile

Field of membership penetration

8.34%

63^th percentile

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