Trax

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

$487.7M

56^th percentile

Members

45,052

81^th percentile

Total loans

$197.3M

19^th percentile

Total shares

$419.6M

57^th percentile

Profitability

Return on assets

0.98%

51^th percentile

Net interest margin

2.76%

14^th percentile

Efficiency ratio

55.54%

66^th percentile

Non-interest income ratio

26.54%

86^th percentile

Capital & Risk

Net worth ratio

12.77%

75^th percentile

Delinquency rate

1.85%

6^th percentile

Net charge-off rate

1.79%

2^th percentile

Loan-to-share

47.02%

4^th percentile

Growth

Member growth YoY

0.40%

48^th percentile

Asset growth YoY

-3.32%

5^th percentile

Loan growth YoY

-8.51%

4^th percentile

Share growth YoY

-4.60%

3^th percentile

Operations

Members / branch

5,006

57^th percentile

Assets / member

$10,826

6^th percentile

Field of membership penetration

1.30%

20^th percentile

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