Chief Financial

Rochester Hills, MI · 1 · Charter #4271 · www.chiefonline.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
$248.1M
99th percentile
Members
21,069
98th percentile
Total loans
$177.0M
99th percentile
Total shares
$182.8M
92th percentile

Profitability

Return on assets
0.61%
24th percentile
Net interest margin
3.15%
24th percentile
Efficiency ratio
58.82%
62th percentile
Non-interest income ratio
21.08%
69th percentile

Capital & Risk

Net worth ratio
9.75%
20th percentile
Delinquency rate
0.49%
66th percentile
Net charge-off rate
0.46%
37th percentile
Loan-to-share
96.81%
93th percentile

Growth

Member growth YoY
3.53%
89th percentile
Asset growth YoY
17.94%
97th percentile
Loan growth YoY
15.73%
95th percentile
Share growth YoY
17.13%
96th percentile

Operations

Members / branch
5,267
85th percentile
Assets / member
$11,776
26th percentile
Field of membership penetration
52.67%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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