Cobblestone Country

Albion, NY · 1 · Charter #16672 · www.cobblestonecountryfcu.co
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
$24.0M
68th percentile
Members
2,705
80th percentile
Total loans
$16.0M
81th percentile
Total shares
$20.6M
69th percentile

Profitability

Return on assets
2.79%
97th percentile
Net interest margin
4.61%
73th percentile
Efficiency ratio
46.77%
86th percentile
Non-interest income ratio
17.23%
76th percentile

Capital & Risk

Net worth ratio
13.86%
43th percentile
Delinquency rate
0.79%
47th percentile
Net charge-off rate
0.14%
57th percentile
Loan-to-share
77.90%
74th percentile

Growth

Member growth YoY
0.63%
74th percentile
Asset growth YoY
10.79%
93th percentile
Loan growth YoY
2.17%
71th percentile
Share growth YoY
8.43%
88th percentile

Operations

Members / branch
2,705
89th percentile
Assets / member
$8,874
47th percentile
Field of membership penetration
12.30%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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