Oteen V. A.

ASHEVILLE, NC · 1 · Charter #932 · www.oteencreditunion.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$33.5M
82th percentile
Members
2,092
68th percentile
Total loans
$13.6M
75th percentile
Total shares
$29.3M
83th percentile

Profitability

Return on assets
2.20%
93th percentile
Net interest margin
4.28%
62th percentile
Efficiency ratio
52.47%
79th percentile
Non-interest income ratio
14.07%
66th percentile

Capital & Risk

Net worth ratio
12.37%
33th percentile
Delinquency rate
0.15%
74th percentile
Net charge-off rate
0.23%
48th percentile
Loan-to-share
46.51%
30th percentile

Growth

Member growth YoY
0.24%
70th percentile
Asset growth YoY
1.72%
54th percentile
Loan growth YoY
0.39%
64th percentile
Share growth YoY
-0.58%
43th percentile

Operations

Members / branch
2,092
79th percentile
Assets / member
$16,028
89th percentile
Field of membership penetration
38.04%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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