Solutions

ELMIRA, NY · 1 · Charter #7846 · www.solutionscu.org
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
$42.5M
93th percentile
Members
3,440
89th percentile
Total loans
$18.1M
85th percentile
Total shares
$37.1M
95th percentile

Profitability

Return on assets
1.46%
77th percentile
Net interest margin
4.29%
62th percentile
Efficiency ratio
62.33%
59th percentile
Non-interest income ratio
16.59%
74th percentile

Capital & Risk

Net worth ratio
12.26%
32th percentile
Delinquency rate
0.41%
61th percentile
Net charge-off rate
0.46%
35th percentile
Loan-to-share
48.62%
32th percentile

Growth

Member growth YoY
-1.35%
50th percentile
Asset growth YoY
9.67%
91th percentile
Loan growth YoY
1.04%
67th percentile
Share growth YoY
9.47%
90th percentile

Operations

Members / branch
3,440
95th percentile
Assets / member
$12,364
73th percentile
Field of membership penetration
3.44%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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