Four Points

Omaha, NE · 1 · Charter #24753 · www.fourpointsfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$188.0M
86th percentile
Members
9,706
68th percentile
Total loans
$118.1M
85th percentile
Total shares
$131.3M
74th percentile

Profitability

Return on assets
-0.61%
1th percentile
Net interest margin
2.41%
5th percentile
Efficiency ratio
45.72%
90th percentile
Non-interest income ratio
10.72%
18th percentile

Capital & Risk

Net worth ratio
9.03%
11th percentile
Delinquency rate
1.24%
24th percentile
Net charge-off rate
0.82%
15th percentile
Loan-to-share
89.95%
87th percentile

Growth

Member growth YoY
22.95%
98th percentile
Asset growth YoY
-2.10%
10th percentile
Loan growth YoY
-11.02%
4th percentile
Share growth YoY
-0.46%
20th percentile

Operations

Members / branch
4,853
82th percentile
Assets / member
$19,372
82th percentile
Field of membership penetration
0.76%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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