Stratton Air National Guard

SCOTIA, NY · 1 · Charter #10773
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
$975.2K
7th percentile
Members
870
32th percentile
Total loans
$421.6K
8th percentile
Total shares
$619.6K
6th percentile

Profitability

Return on assets
1.73%
85th percentile
Net interest margin
3.13%
22th percentile
Efficiency ratio
42.31%
91th percentile
Non-interest income ratio
3.36%
26th percentile

Capital & Risk

Net worth ratio
36.34%
96th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
68.03%
60th percentile

Growth

Member growth YoY
0.12%
69th percentile
Asset growth YoY
10.01%
92th percentile
Loan growth YoY
-3.14%
49th percentile
Share growth YoY
13.18%
95th percentile

Operations

Members / branch
870
41th percentile
Assets / member
$1,121
1th percentile
Field of membership penetration
87.00%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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