Concord

Brooklyn, NY · 1 · Charter #7504 · www.concordfcu.org
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
$7.2M
33th percentile
Members
436
15th percentile
Total loans
$581.2K
10th percentile
Total shares
$6.3M
36th percentile

Profitability

Return on assets
-0.44%
9th percentile
Net interest margin
3.03%
20th percentile
Efficiency ratio
99.70%
6th percentile
Non-interest income ratio
38.02%
96th percentile

Capital & Risk

Net worth ratio
11.68%
28th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
7.32%
1th percentile
Loan-to-share
9.20%
2th percentile

Growth

Member growth YoY
-13.15%
3th percentile
Asset growth YoY
-11.71%
3th percentile
Loan growth YoY
-30.05%
2th percentile
Share growth YoY
-12.65%
5th percentile

Operations

Members / branch
436
20th percentile
Assets / member
$16,442
90th percentile
Field of membership penetration
14.53%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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