Next Step

Troy, NY · 1 · Charter #9486 · www.nextstepfcu.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
$105.9M
50th percentile
Members
4,583
20th percentile
Total loans
$34.1M
19th percentile
Total shares
$95.5M
53th percentile

Profitability

Return on assets
0.53%
18th percentile
Net interest margin
2.93%
15th percentile
Efficiency ratio
68.01%
32th percentile
Non-interest income ratio
7.58%
8th percentile

Capital & Risk

Net worth ratio
9.62%
18th percentile
Delinquency rate
2.15%
9th percentile
Net charge-off rate
0.44%
38th percentile
Loan-to-share
35.75%
6th percentile

Growth

Member growth YoY
-3.19%
22th percentile
Asset growth YoY
0.52%
23th percentile
Loan growth YoY
-7.28%
10th percentile
Share growth YoY
0.15%
24th percentile

Operations

Members / branch
2,292
29th percentile
Assets / member
$23,114
91th percentile
Field of membership penetration
0.44%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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