Mutual Security

SHELTON, CT · 2 · Charter #68479 · www.mscu.net
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$362.5M
33th percentile
Members
26,402
45th percentile
Total loans
$306.7M
52th percentile
Total shares
$315.0M
33th percentile

Profitability

Return on assets
0.59%
25th percentile
Net interest margin
3.53%
56th percentile
Efficiency ratio
66.81%
20th percentile
Non-interest income ratio
19.21%
52th percentile

Capital & Risk

Net worth ratio
9.14%
19th percentile
Delinquency rate
0.44%
76th percentile
Net charge-off rate
0.25%
70th percentile
Loan-to-share
97.35%
88th percentile

Growth

Member growth YoY
-1.00%
33th percentile
Asset growth YoY
2.13%
26th percentile
Loan growth YoY
-1.71%
19th percentile
Share growth YoY
1.71%
24th percentile

Operations

Members / branch
2,640
10th percentile
Assets / member
$13,731
27th percentile
Field of membership penetration
1.47%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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