Democracy

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

$189.9M

87^th percentile

Members

12,010

79^th percentile

Total loans

$125.4M

88^th percentile

Total shares

$148.5M

81^th percentile

Profitability

Return on assets

1.08%

53^th percentile

Net interest margin

3.32%

32^th percentile

Efficiency ratio

64.85%

43^th percentile

Non-interest income ratio

36.98%

98^th percentile

Capital & Risk

Net worth ratio

6.83%

1^th percentile

Delinquency rate

1.12%

28^th percentile

Net charge-off rate

1.82%

2^th percentile

Loan-to-share

84.43%

78^th percentile

Growth

Member growth YoY

-4.43%

14^th percentile

Asset growth YoY

4.73%

58^th percentile

Loan growth YoY

-11.02%

4^th percentile

Share growth YoY

6.96%

77^th percentile

Operations

Members / branch

3,003

47^th percentile

Assets / member

$15,813

61^th percentile

Field of membership penetration

1.19%

18^th percentile

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