St. Ludmila S

Cedar Rapids, IA · 2 · Charter #65062
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$373.0K
3th percentile
Members
104
2th percentile
Total loans
$209.6K
6th percentile
Total shares
$260.1K
3th percentile

Profitability

Return on assets
0.10%
20th percentile
Net interest margin
2.88%
17th percentile
Efficiency ratio
79.03%
25th percentile
Non-interest income ratio
0.15%
7th percentile

Capital & Risk

Net worth ratio
29.56%
92th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
80.58%
77th percentile

Growth

Member growth YoY
1.96%
83th percentile
Asset growth YoY
8.02%
88th percentile
Loan growth YoY
-17.35%
9th percentile
Share growth YoY
11.81%
93th percentile

Operations

Members / branch
no peer data
Assets / member
$3,586
9th percentile
Field of membership penetration
20.80%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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