Emerald Empire

Springfield, OR · 1 · Charter #9877 · www.youreecu.org
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
$27.7M
74th percentile
Members
2,544
77th percentile
Total loans
$20.0M
89th percentile
Total shares
$20.9M
70th percentile

Profitability

Return on assets
0.58%
39th percentile
Net interest margin
4.67%
75th percentile
Efficiency ratio
75.90%
31th percentile
Non-interest income ratio
6.92%
41th percentile

Capital & Risk

Net worth ratio
21.04%
77th percentile
Delinquency rate
0.33%
65th percentile
Net charge-off rate
0.07%
65th percentile
Loan-to-share
95.69%
91th percentile

Growth

Member growth YoY
0.75%
75th percentile
Asset growth YoY
-2.59%
27th percentile
Loan growth YoY
-1.34%
58th percentile
Share growth YoY
-3.11%
29th percentile

Operations

Members / branch
1,272
57th percentile
Assets / member
$10,874
63th percentile
Field of membership penetration
0.67%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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