Sm

MISSION, KS · 1 · Charter #13941 · WWW.SMFEDERAL.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
$77.5M
29th percentile
Members
2,383
2th percentile
Total loans
$46.4M
36th percentile
Total shares
$61.8M
24th percentile

Profitability

Return on assets
0.53%
18th percentile
Net interest margin
1.29%
0th percentile
Efficiency ratio
20.93%
100th percentile
Non-interest income ratio
0.56%
1th percentile

Capital & Risk

Net worth ratio
19.19%
92th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.03%
93th percentile
Loan-to-share
75.13%
63th percentile

Growth

Member growth YoY
-0.58%
50th percentile
Asset growth YoY
-0.63%
17th percentile
Loan growth YoY
-3.38%
24th percentile
Share growth YoY
-1.54%
15th percentile

Operations

Members / branch
1,192
4th percentile
Assets / member
$32,514
97th percentile
Field of membership penetration
39.72%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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