Financial Builders

Kokomo, IN · 1 · Charter #16213 · www.Financialbuilders.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$149.4M
72th percentile
Members
10,161
70th percentile
Total loans
$95.7M
73th percentile
Total shares
$119.4M
68th percentile

Profitability

Return on assets
0.71%
29th percentile
Net interest margin
3.75%
55th percentile
Efficiency ratio
66.14%
38th percentile
Non-interest income ratio
23.05%
77th percentile

Capital & Risk

Net worth ratio
12.17%
49th percentile
Delinquency rate
0.96%
36th percentile
Net charge-off rate
0.49%
35th percentile
Loan-to-share
80.19%
71th percentile

Growth

Member growth YoY
-7.73%
5th percentile
Asset growth YoY
1.49%
30th percentile
Loan growth YoY
-2.45%
29th percentile
Share growth YoY
5.44%
67th percentile

Operations

Members / branch
10,161
98th percentile
Assets / member
$14,705
52th percentile
Field of membership penetration
4.02%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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