North Central Area

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

$260.8M

4^th percentile

Members

20,029

25^th percentile

Total loans

$186.0M

15^th percentile

Total shares

$231.8M

7^th percentile

Profitability

Return on assets

1.74%

90^th percentile

Net interest margin

4.29%

90^th percentile

Efficiency ratio

58.54%

53^th percentile

Non-interest income ratio

24.35%

78^th percentile

Capital & Risk

Net worth ratio

11.25%

55^th percentile

Delinquency rate

1.58%

10^th percentile

Net charge-off rate

0.45%

47^th percentile

Loan-to-share

80.25%

50^th percentile

Growth

Member growth YoY

-2.28%

22^th percentile

Asset growth YoY

7.89%

73^th percentile

Loan growth YoY

15.34%

92^th percentile

Share growth YoY

7.58%

76^th percentile

Operations

Members / branch

2,861

14^th percentile

Assets / member

$13,019

20^th percentile

Field of membership penetration

0.20%

1^th percentile

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