W S S C

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

$34.7M

83^th percentile

Members

3,306

88^th percentile

Total loans

$18.6M

86^th percentile

Total shares

$31.2M

86^th percentile

Profitability

Return on assets

0.79%

49^th percentile

Net interest margin

5.07%

84^th percentile

Efficiency ratio

77.69%

28^th percentile

Non-interest income ratio

15.69%

71^th percentile

Capital & Risk

Net worth ratio

10.42%

18^th percentile

Delinquency rate

1.70%

28^th percentile

Net charge-off rate

0.78%

22^th percentile

Loan-to-share

59.54%

49^th percentile

Growth

Member growth YoY

-2.10%

42^th percentile

Asset growth YoY

1.30%

51^th percentile

Loan growth YoY

-3.87%

46^th percentile

Share growth YoY

0.69%

51^th percentile

Operations

Members / branch

661

31^th percentile

Assets / member

$10,493

60^th percentile

Field of membership penetration

13.78%

27^th percentile

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