Federal Employees

BIRMINGHAM, AL · 2 · Charter #62599 · www.federalempscu.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
$19.4M
61th percentile
Members
1,737
59th percentile
Total loans
$9.6M
64th percentile
Total shares
$15.9M
61th percentile

Profitability

Return on assets
0.60%
40th percentile
Net interest margin
4.15%
57th percentile
Efficiency ratio
65.16%
54th percentile
Non-interest income ratio
9.22%
50th percentile

Capital & Risk

Net worth ratio
16.81%
60th percentile
Delinquency rate
2.60%
18th percentile
Net charge-off rate
1.18%
13th percentile
Loan-to-share
60.06%
50th percentile

Growth

Member growth YoY
-2.09%
43th percentile
Asset growth YoY
2.84%
61th percentile
Loan growth YoY
1.01%
67th percentile
Share growth YoY
3.23%
65th percentile

Operations

Members / branch
no peer data
Assets / member
$11,148
65th percentile
Field of membership penetration
57.90%
75th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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