Advantage

Newton, IA · 2 · Charter #64030 · www.acuiowa.org
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
$103.7M
48th percentile
Members
7,165
46th percentile
Total loans
$63.1M
53th percentile
Total shares
$81.6M
43th percentile

Profitability

Return on assets
2.86%
99th percentile
Net interest margin
5.32%
98th percentile
Efficiency ratio
48.45%
85th percentile
Non-interest income ratio
16.25%
45th percentile

Capital & Risk

Net worth ratio
15.15%
78th percentile
Delinquency rate
3.63%
2th percentile
Net charge-off rate
1.31%
7th percentile
Loan-to-share
77.35%
66th percentile

Growth

Member growth YoY
-0.53%
50th percentile
Asset growth YoY
0.87%
26th percentile
Loan growth YoY
-16.18%
1th percentile
Share growth YoY
-1.18%
16th percentile

Operations

Members / branch
7,165
94th percentile
Assets / member
$14,471
50th percentile
Field of membership penetration
0.80%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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