Southern Middlesex Co Tchrs

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

$45.8M

96^th percentile

Members

2,912

83^th percentile

Total loans

$12.9M

73^th percentile

Total shares

$40.8M

98^th percentile

Profitability

Return on assets

1.12%

65^th percentile

Net interest margin

2.57%

10^th percentile

Efficiency ratio

37.25%

94^th percentile

Non-interest income ratio

0.94%

13^th percentile

Capital & Risk

Net worth ratio

10.73%

20^th percentile

Delinquency rate

2.71%

17^th percentile

Net charge-off rate

0.00%

90^th percentile

Loan-to-share

31.57%

13^th percentile

Growth

Member growth YoY

-1.75%

46^th percentile

Asset growth YoY

2.93%

62^th percentile

Loan growth YoY

-2.58%

52^th percentile

Share growth YoY

1.31%

55^th percentile

Operations

Members / branch

2,912

91^th percentile

Assets / member

$15,728

87^th percentile

Field of membership penetration

38.83%

53^th percentile

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