St. Michaels

CRAIG, CO · 1 · Charter #11340
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
$993.9K
7th percentile
Members
187
5th percentile
Total loans
$401.9K
8th percentile
Total shares
$876.0K
8th percentile

Profitability

Return on assets
0.23%
24th percentile
Net interest margin
1.07%
1th percentile
Efficiency ratio
26.82%
98th percentile
Non-interest income ratio
6.59%
39th percentile

Capital & Risk

Net worth ratio
11.86%
29th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-1.05%
99th percentile
Loan-to-share
45.88%
29th percentile

Growth

Member growth YoY
-1.06%
54th percentile
Asset growth YoY
1.75%
54th percentile
Loan growth YoY
-15.44%
11th percentile
Share growth YoY
1.71%
57th percentile

Operations

Members / branch
187
7th percentile
Assets / member
$5,315
18th percentile
Field of membership penetration
74.80%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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