Community Financial Services

ROSELLE, NJ · 1 · Charter #6179 · www.cfsfcu.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
$30.9M
78th percentile
Members
2,726
80th percentile
Total loans
$10.6M
68th percentile
Total shares
$27.1M
80th percentile

Profitability

Return on assets
-0.40%
9th percentile
Net interest margin
3.93%
48th percentile
Efficiency ratio
104.03%
5th percentile
Non-interest income ratio
16.79%
75th percentile

Capital & Risk

Net worth ratio
13.71%
42th percentile
Delinquency rate
2.63%
18th percentile
Net charge-off rate
7.02%
1th percentile
Loan-to-share
39.05%
20th percentile

Growth

Member growth YoY
-8.43%
8th percentile
Asset growth YoY
-2.28%
28th percentile
Loan growth YoY
-17.54%
9th percentile
Share growth YoY
-2.96%
30th percentile

Operations

Members / branch
2,726
89th percentile
Assets / member
$11,322
66th percentile
Field of membership penetration
0.44%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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