One

SPRINGFIELD, VT · 2 · Charter #63923 · www.onecu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$261.1M
5th percentile
Members
18,443
18th percentile
Total loans
$194.4M
18th percentile
Total shares
$243.1M
11th percentile

Profitability

Return on assets
0.87%
42th percentile
Net interest margin
4.07%
84th percentile
Efficiency ratio
70.25%
10th percentile
Non-interest income ratio
18.89%
49th percentile

Capital & Risk

Net worth ratio
7.78%
4th percentile
Delinquency rate
1.18%
20th percentile
Net charge-off rate
0.68%
25th percentile
Loan-to-share
79.99%
48th percentile

Growth

Member growth YoY
-2.37%
20th percentile
Asset growth YoY
0.73%
17th percentile
Loan growth YoY
1.63%
36th percentile
Share growth YoY
-0.10%
13th percentile

Operations

Members / branch
2,305
7th percentile
Assets / member
$14,159
32th percentile
Field of membership penetration
2.06%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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