Ridgeline

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

$27.2M

73^th percentile

Members

1,500

52^th percentile

Total loans

$12.3M

72^th percentile

Total shares

$24.6M

76^th percentile

Profitability

Return on assets

0.01%

16^th percentile

Net interest margin

2.38%

7^th percentile

Efficiency ratio

59.40%

66^th percentile

Non-interest income ratio

6.96%

41^th percentile

Capital & Risk

Net worth ratio

9.55%

13^th percentile

Delinquency rate

0.58%

54^th percentile

Net charge-off rate

0.48%

33^th percentile

Loan-to-share

50.01%

34^th percentile

Growth

Member growth YoY

-3.85%

25^th percentile

Asset growth YoY

-0.37%

39^th percentile

Loan growth YoY

-11.24%

20^th percentile

Share growth YoY

-0.21%

45^th percentile

Operations

Members / branch

1,500

64^th percentile

Assets / member

$18,122

94^th percentile

Field of membership penetration

0.75%

5^th percentile

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