Integra First

Powers, MI · 1 · Charter #5748 · www.integrafirstfcu.com
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
$133.1M
65th percentile
Members
11,490
77th percentile
Total loans
$81.2M
66th percentile
Total shares
$120.5M
69th percentile

Profitability

Return on assets
0.63%
24th percentile
Net interest margin
3.72%
54th percentile
Efficiency ratio
74.01%
16th percentile
Non-interest income ratio
14.10%
35th percentile

Capital & Risk

Net worth ratio
9.10%
12th percentile
Delinquency rate
1.00%
33th percentile
Net charge-off rate
0.32%
51th percentile
Loan-to-share
67.43%
49th percentile

Growth

Member growth YoY
0.21%
61th percentile
Asset growth YoY
3.04%
42th percentile
Loan growth YoY
5.30%
73th percentile
Share growth YoY
2.18%
39th percentile

Operations

Members / branch
2,873
44th percentile
Assets / member
$11,585
25th percentile
Field of membership penetration
7.54%
53th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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