Stepping Stones Community

Wilmington, DE · 1 · Charter #24845 · www.sscreditunion.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
$7.7M
35th percentile
Members
2,759
81th percentile
Total loans
$1.1M
15th percentile
Total shares
$2.0M
15th percentile

Profitability

Return on assets
28.50%
100th percentile
Net interest margin
2.79%
14th percentile
Efficiency ratio
17.97%
99th percentile
Non-interest income ratio
92.37%
100th percentile

Capital & Risk

Net worth ratio
45.52%
98th percentile
Delinquency rate
4.73%
8th percentile
Net charge-off rate
10.67%
0th percentile
Loan-to-share
53.27%
39th percentile

Growth

Member growth YoY
9.05%
96th percentile
Asset growth YoY
40.63%
99th percentile
Loan growth YoY
44.27%
99th percentile
Share growth YoY
-19.17%
1th percentile

Operations

Members / branch
2,759
89th percentile
Assets / member
$2,808
6th percentile
Field of membership penetration
3.94%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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