Howard County School Em

Kokomo, IN · 1 · Charter #16065 · www.hcsefcu.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
$31.3M
79th percentile
Members
2,434
76th percentile
Total loans
$8.4M
60th percentile
Total shares
$25.9M
78th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
2.47%
8th percentile
Efficiency ratio
30.36%
97th percentile
Non-interest income ratio
0.50%
10th percentile

Capital & Risk

Net worth ratio
17.27%
63th percentile
Delinquency rate
2.59%
18th percentile
Net charge-off rate
0.65%
26th percentile
Loan-to-share
32.59%
14th percentile

Growth

Member growth YoY
-8.29%
8th percentile
Asset growth YoY
-8.64%
7th percentile
Loan growth YoY
-18.32%
8th percentile
Share growth YoY
-11.54%
6th percentile

Operations

Members / branch
2,434
86th percentile
Assets / member
$12,876
76th percentile
Field of membership penetration
54.09%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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