Shuford

Hickory, NC · 1 · Charter #24811 · www.shufordcu.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
$36.7M
86th percentile
Members
4,369
96th percentile
Total loans
$29.2M
97th percentile
Total shares
$29.1M
83th percentile

Profitability

Return on assets
1.41%
76th percentile
Net interest margin
4.97%
82th percentile
Efficiency ratio
68.84%
45th percentile
Non-interest income ratio
18.20%
79th percentile

Capital & Risk

Net worth ratio
13.01%
37th percentile
Delinquency rate
1.12%
38th percentile
Net charge-off rate
0.09%
63th percentile
Loan-to-share
100.44%
94th percentile

Growth

Member growth YoY
-0.43%
62th percentile
Asset growth YoY
7.19%
85th percentile
Loan growth YoY
6.10%
82th percentile
Share growth YoY
8.89%
89th percentile

Operations

Members / branch
2,185
82th percentile
Assets / member
$8,405
42th percentile
Field of membership penetration
1.19%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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