Element

Charleston, WV · 1 · Charter #23162 · www.elementfcu.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
$84.6M
34th percentile
Members
4,426
18th percentile
Total loans
$30.3M
15th percentile
Total shares
$69.8M
33th percentile

Profitability

Return on assets
1.59%
81th percentile
Net interest margin
4.42%
87th percentile
Efficiency ratio
60.37%
57th percentile
Non-interest income ratio
12.91%
29th percentile

Capital & Risk

Net worth ratio
11.93%
46th percentile
Delinquency rate
1.32%
22th percentile
Net charge-off rate
0.93%
13th percentile
Loan-to-share
43.42%
11th percentile

Growth

Member growth YoY
-1.67%
38th percentile
Asset growth YoY
21.34%
98th percentile
Loan growth YoY
-9.33%
6th percentile
Share growth YoY
24.23%
98th percentile

Operations

Members / branch
1,107
3th percentile
Assets / member
$19,112
81th percentile
Field of membership penetration
6.81%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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