American Lake

Lakewood, WA · 2 · Charter #68371 · www.americanlake.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
$59.6M
11th percentile
Members
4,594
20th percentile
Total loans
$23.2M
7th percentile
Total shares
$50.4M
11th percentile

Profitability

Return on assets
1.22%
63th percentile
Net interest margin
4.42%
87th percentile
Efficiency ratio
69.60%
28th percentile
Non-interest income ratio
13.69%
33th percentile

Capital & Risk

Net worth ratio
13.89%
69th percentile
Delinquency rate
3.42%
3th percentile
Net charge-off rate
3.53%
0th percentile
Loan-to-share
46.17%
16th percentile

Growth

Member growth YoY
-5.90%
9th percentile
Asset growth YoY
-3.89%
4th percentile
Loan growth YoY
-2.38%
30th percentile
Share growth YoY
-3.79%
6th percentile

Operations

Members / branch
2,297
29th percentile
Assets / member
$12,963
37th percentile
Field of membership penetration
0.49%
5th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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