Guardians

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$299.1M

15^th percentile

Members

36,587

69^th percentile

Total loans

$214.1M

26^th percentile

Total shares

$246.4M

11^th percentile

Profitability

Return on assets

1.64%

86^th percentile

Net interest margin

4.35%

92^th percentile

Efficiency ratio

69.32%

13^th percentile

Non-interest income ratio

32.04%

95^th percentile

Capital & Risk

Net worth ratio

14.92%

90^th percentile

Delinquency rate

0.38%

81^th percentile

Net charge-off rate

0.77%

20^th percentile

Loan-to-share

86.87%

67^th percentile

Growth

Member growth YoY

-0.39%

39^th percentile

Asset growth YoY

-1.16%

9^th percentile

Loan growth YoY

-1.68%

19^th percentile

Share growth YoY

-3.11%

5^th percentile

Operations

Members / branch

6,098

74^th percentile

Assets / member

$8,174

0^th percentile

Field of membership penetration

1.76%

25^th percentile

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