West Michigan Postal Service

MUSKEGON, MI · 1 · Charter #7910 · www.wmpsfcu.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
$7.2M
33th percentile
Members
808
30th percentile
Total loans
$4.9M
44th percentile
Total shares
$6.3M
36th percentile

Profitability

Return on assets
0.75%
47th percentile
Net interest margin
4.63%
74th percentile
Efficiency ratio
63.60%
57th percentile
Non-interest income ratio
15.48%
71th percentile

Capital & Risk

Net worth ratio
12.71%
36th percentile
Delinquency rate
0.85%
45th percentile
Net charge-off rate
0.30%
44th percentile
Loan-to-share
78.79%
75th percentile

Growth

Member growth YoY
-0.62%
59th percentile
Asset growth YoY
5.70%
78th percentile
Loan growth YoY
7.80%
86th percentile
Share growth YoY
5.39%
77th percentile

Operations

Members / branch
808
38th percentile
Assets / member
$8,942
47th percentile
Field of membership penetration
16.16%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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