On the Grid Financial

Atlanta, GA · 1 · Charter #383 · www.cuonthegrid.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
$43.6M
94th percentile
Members
3,953
94th percentile
Total loans
$18.2M
86th percentile
Total shares
$37.0M
94th percentile

Profitability

Return on assets
0.39%
31th percentile
Net interest margin
3.28%
27th percentile
Efficiency ratio
71.71%
40th percentile
Non-interest income ratio
16.59%
74th percentile

Capital & Risk

Net worth ratio
14.42%
47th percentile
Delinquency rate
0.44%
60th percentile
Net charge-off rate
0.16%
54th percentile
Loan-to-share
49.27%
33th percentile

Growth

Member growth YoY
-3.73%
26th percentile
Asset growth YoY
-0.47%
38th percentile
Loan growth YoY
-1.52%
57th percentile
Share growth YoY
-0.69%
42th percentile

Operations

Members / branch
3,953
97th percentile
Assets / member
$11,034
65th percentile
Field of membership penetration
5.38%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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