C & R

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

$4.1M

21^th percentile

Members

674

24^th percentile

Total loans

$2.9M

30^th percentile

Total shares

$3.6M

23^th percentile

Profitability

Return on assets

0.09%

19^th percentile

Net interest margin

5.69%

93^th percentile

Efficiency ratio

66.90%

49^th percentile

Non-interest income ratio

9.02%

49^th percentile

Capital & Risk

Net worth ratio

12.84%

36^th percentile

Delinquency rate

2.90%

16^th percentile

Net charge-off rate

0.03%

70^th percentile

Loan-to-share

81.93%

79^th percentile

Growth

Member growth YoY

-2.60%

37^th percentile

Asset growth YoY

5.80%

78^th percentile

Loan growth YoY

2.55%

72^th percentile

Share growth YoY

6.85%

84^th percentile

Operations

Members / branch

674

31^th percentile

Assets / member

$6,074

24^th percentile

Field of membership penetration

6.74%

20^th percentile

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