44 North

Lebanon, OR · 2 · Charter #68739 · www.44northcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$164.3M
77th percentile
Members
10,069
69th percentile
Total loans
$108.7M
80th percentile
Total shares
$143.3M
78th percentile

Profitability

Return on assets
1.41%
73th percentile
Net interest margin
5.10%
97th percentile
Efficiency ratio
60.67%
56th percentile
Non-interest income ratio
9.85%
15th percentile

Capital & Risk

Net worth ratio
12.07%
48th percentile
Delinquency rate
2.15%
9th percentile
Net charge-off rate
1.52%
5th percentile
Loan-to-share
75.86%
64th percentile

Growth

Member growth YoY
-13.09%
2th percentile
Asset growth YoY
-0.35%
19th percentile
Loan growth YoY
-7.00%
11th percentile
Share growth YoY
-1.10%
17th percentile

Operations

Members / branch
3,356
56th percentile
Assets / member
$16,321
65th percentile
Field of membership penetration
1.01%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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