Bykota

Brooklyn, NY · 1 · Charter #20419
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
$1.6M
10th percentile
Members
906
34th percentile
Total loans
$101.5K
4th percentile
Total shares
$1.5M
12th percentile

Profitability

Return on assets
-0.31%
10th percentile
Net interest margin
2.68%
12th percentile
Efficiency ratio
111.50%
4th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
5.13%
1th percentile
Delinquency rate
26.70%
0th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
6.82%
2th percentile

Growth

Member growth YoY
-2.79%
35th percentile
Asset growth YoY
-3.27%
23th percentile
Loan growth YoY
-60.62%
0th percentile
Share growth YoY
-3.13%
28th percentile

Operations

Members / branch
453
21th percentile
Assets / member
$1,731
3th percentile
Field of membership penetration
30.20%
43th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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