Vatat

Austin, TX · 2 · Charter #67661 · www.vatatcu.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
$10.4M
42th percentile
Members
1,113
40th percentile
Total loans
$7.7M
57th percentile
Total shares
$8.1M
42th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
4.96%
82th percentile
Efficiency ratio
57.88%
70th percentile
Non-interest income ratio
3.76%
28th percentile

Capital & Risk

Net worth ratio
18.26%
67th percentile
Delinquency rate
2.15%
23th percentile
Net charge-off rate
-0.02%
93th percentile
Loan-to-share
94.39%
90th percentile

Growth

Member growth YoY
3.82%
92th percentile
Asset growth YoY
-1.97%
30th percentile
Loan growth YoY
-14.27%
13th percentile
Share growth YoY
-5.35%
19th percentile

Operations

Members / branch
557
26th percentile
Assets / member
$9,301
51th percentile
Field of membership penetration
3.18%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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