Koin

Brentwood, TN · 2 · Charter #68172 · www.koincu.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
$36.2M
85th percentile
Members
2,111
68th percentile
Total loans
$21.7M
91th percentile
Total shares
$33.1M
89th percentile

Profitability

Return on assets
-0.36%
10th percentile
Net interest margin
3.53%
34th percentile
Efficiency ratio
85.14%
17th percentile
Non-interest income ratio
9.91%
52th percentile

Capital & Risk

Net worth ratio
8.55%
8th percentile
Delinquency rate
0.44%
60th percentile
Net charge-off rate
0.37%
40th percentile
Loan-to-share
65.62%
57th percentile

Growth

Member growth YoY
7.76%
96th percentile
Asset growth YoY
-4.71%
17th percentile
Loan growth YoY
-9.51%
26th percentile
Share growth YoY
-4.55%
22th percentile

Operations

Members / branch
2,111
80th percentile
Assets / member
$17,140
92th percentile
Field of membership penetration
50.33%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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