Steuben Citizens

BATH, NY · 1 · Charter #6225 · www.steubencitizensfcu.com
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
$34.8M
84th percentile
Members
2,566
78th percentile
Total loans
$8.9M
62th percentile
Total shares
$30.2M
85th percentile

Profitability

Return on assets
1.01%
60th percentile
Net interest margin
2.92%
17th percentile
Efficiency ratio
64.26%
55th percentile
Non-interest income ratio
17.21%
76th percentile

Capital & Risk

Net worth ratio
12.44%
34th percentile
Delinquency rate
0.01%
84th percentile
Net charge-off rate
0.33%
42th percentile
Loan-to-share
29.46%
11th percentile

Growth

Member growth YoY
-2.10%
42th percentile
Asset growth YoY
4.93%
73th percentile
Loan growth YoY
23.34%
97th percentile
Share growth YoY
4.45%
72th percentile

Operations

Members / branch
855
40th percentile
Assets / member
$13,575
79th percentile
Field of membership penetration
33.33%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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