Social Security

Birmingham, AL · 2 · Charter #61391 · www.ssacu.com/
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
$36.8M
86th percentile
Members
2,657
79th percentile
Total loans
$13.6M
75th percentile
Total shares
$28.3M
81th percentile

Profitability

Return on assets
1.59%
82th percentile
Net interest margin
4.19%
59th percentile
Efficiency ratio
65.25%
53th percentile
Non-interest income ratio
16.95%
75th percentile

Capital & Risk

Net worth ratio
22.17%
80th percentile
Delinquency rate
2.88%
16th percentile
Net charge-off rate
1.47%
10th percentile
Loan-to-share
48.30%
32th percentile

Growth

Member growth YoY
-3.80%
26th percentile
Asset growth YoY
5.05%
74th percentile
Loan growth YoY
-3.10%
49th percentile
Share growth YoY
4.84%
74th percentile

Operations

Members / branch
2,657
88th percentile
Assets / member
$13,852
80th percentile
Field of membership penetration
37.29%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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