Special Metals

NEW HARTFORD, NY · 1 · Charter #14522 · www.specialmetalsfcu.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
$22.2M
66th percentile
Members
1,813
61th percentile
Total loans
$12.5M
72th percentile
Total shares
$19.5M
67th percentile

Profitability

Return on assets
0.74%
47th percentile
Net interest margin
3.80%
43th percentile
Efficiency ratio
68.56%
46th percentile
Non-interest income ratio
11.32%
57th percentile

Capital & Risk

Net worth ratio
11.96%
30th percentile
Delinquency rate
1.58%
30th percentile
Net charge-off rate
2.49%
5th percentile
Loan-to-share
63.99%
55th percentile

Growth

Member growth YoY
78.09%
100th percentile
Asset growth YoY
8.15%
88th percentile
Loan growth YoY
-21.54%
5th percentile
Share growth YoY
7.91%
87th percentile

Operations

Members / branch
907
43th percentile
Assets / member
$12,218
72th percentile
Field of membership penetration
60.43%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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