Journey

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

$92.8M

41^th percentile

Members

5,151

27^th percentile

Total loans

$55.8M

47^th percentile

Total shares

$76.1M

38^th percentile

Profitability

Return on assets

2.04%

93^th percentile

Net interest margin

3.79%

57^th percentile

Efficiency ratio

44.89%

90^th percentile

Non-interest income ratio

19.71%

62^th percentile

Capital & Risk

Net worth ratio

16.93%

86^th percentile

Delinquency rate

1.89%

11^th percentile

Net charge-off rate

0.76%

17^th percentile

Loan-to-share

73.34%

60^th percentile

Growth

Member growth YoY

0.21%

61^th percentile

Asset growth YoY

5.24%

62^th percentile

Loan growth YoY

6.57%

77^th percentile

Share growth YoY

4.25%

58^th percentile

Operations

Members / branch

2,576

38^th percentile

Assets / member

$18,008

76^th percentile

Field of membership penetration

0.54%

6^th percentile

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