Cardinal Credit Union, Inc.

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$358.5M

31^th percentile

Members

23,316

37^th percentile

Total loans

$258.7M

40^th percentile

Total shares

$305.5M

31^th percentile

Profitability

Return on assets

0.33%

12^th percentile

Net interest margin

3.22%

34^th percentile

Efficiency ratio

70.74%

10^th percentile

Non-interest income ratio

20.52%

58^th percentile

Capital & Risk

Net worth ratio

10.04%

36^th percentile

Delinquency rate

0.86%

37^th percentile

Net charge-off rate

0.32%

59^th percentile

Loan-to-share

84.70%

61^th percentile

Growth

Member growth YoY

-1.28%

30^th percentile

Asset growth YoY

14.41%

95^th percentile

Loan growth YoY

2.90%

44^th percentile

Share growth YoY

12.26%

93^th percentile

Operations

Members / branch

1,943

3^th percentile

Assets / member

$15,375

43^th percentile

Field of membership penetration

4.66%

52^th percentile

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