Safe

FOLSOM, CA · 2 · Charter #68366 · www.safecu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.4B
80th percentile
Members
245,905
81th percentile
Total loans
$3.2B
80th percentile
Total shares
$3.9B
83th percentile

Profitability

Return on assets
0.91%
44th percentile
Net interest margin
2.64%
19th percentile
Efficiency ratio
55.92%
30th percentile
Non-interest income ratio
24.76%
85th percentile

Capital & Risk

Net worth ratio
10.37%
40th percentile
Delinquency rate
0.54%
67th percentile
Net charge-off rate
0.30%
78th percentile
Loan-to-share
80.47%
29th percentile

Growth

Member growth YoY
5.24%
79th percentile
Asset growth YoY
1.94%
20th percentile
Loan growth YoY
0.34%
21th percentile
Share growth YoY
0.80%
13th percentile

Operations

Members / branch
14,465
91th percentile
Assets / member
$17,907
50th percentile
Field of membership penetration
4.52%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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