S H P E

GREENSBURG, LA · 1 · Charter #13248 · www.sshpecu.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
$4.1M
21th percentile
Members
1,498
52th percentile
Total loans
$2.7M
29th percentile
Total shares
$3.8M
24th percentile

Profitability

Return on assets
0.12%
20th percentile
Net interest margin
4.98%
82th percentile
Efficiency ratio
64.16%
55th percentile
Non-interest income ratio
3.47%
26th percentile

Capital & Risk

Net worth ratio
7.26%
3th percentile
Delinquency rate
10.37%
2th percentile
Net charge-off rate
1.56%
9th percentile
Loan-to-share
71.11%
65th percentile

Growth

Member growth YoY
14.35%
98th percentile
Asset growth YoY
3.09%
63th percentile
Loan growth YoY
-3.00%
50th percentile
Share growth YoY
3.49%
67th percentile

Operations

Members / branch
1,498
64th percentile
Assets / member
$2,758
6th percentile
Field of membership penetration
93.63%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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