St. Thomas

Charlotte Amali, VI · 1 · Charter #7970 · www.stthomasfcu.com/
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$89.3M
38th percentile
Members
8,906
60th percentile
Total loans
$40.1M
27th percentile
Total shares
$69.5M
32th percentile

Profitability

Return on assets
0.77%
33th percentile
Net interest margin
5.06%
97th percentile
Efficiency ratio
77.13%
11th percentile
Non-interest income ratio
-0.91%
0th percentile

Capital & Risk

Net worth ratio
23.37%
98th percentile
Delinquency rate
0.94%
37th percentile
Net charge-off rate
1.12%
10th percentile
Loan-to-share
57.68%
31th percentile

Growth

Member growth YoY
3.04%
86th percentile
Asset growth YoY
2.85%
41th percentile
Loan growth YoY
4.38%
67th percentile
Share growth YoY
0.66%
28th percentile

Operations

Members / branch
8,906
97th percentile
Assets / member
$10,029
14th percentile
Field of membership penetration
98.96%
100th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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