P S E

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

$12.4M

48^th percentile

Members

1,318

47^th percentile

Total loans

$7.4M

56^th percentile

Total shares

$10.4M

48^th percentile

Profitability

Return on assets

0.03%

17^th percentile

Net interest margin

1.34%

2^th percentile

Efficiency ratio

27.72%

97^th percentile

Non-interest income ratio

0.14%

7^th percentile

Capital & Risk

Net worth ratio

14.95%

50^th percentile

Delinquency rate

2.78%

17^th percentile

Net charge-off rate

-0.04%

94^th percentile

Loan-to-share

70.65%

64^th percentile

Growth

Member growth YoY

2.57%

87^th percentile

Asset growth YoY

7.49%

86^th percentile

Loan growth YoY

-1.80%

56^th percentile

Share growth YoY

6.33%

82^th percentile

Operations

Members / branch

1,318

59^th percentile

Assets / member

$9,382

52^th percentile

Field of membership penetration

82.38%

92^th percentile

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