Sound

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$3.3B

71^th percentile

Members

177,657

71^th percentile

Total loans

$2.6B

73^th percentile

Total shares

$2.8B

72^th percentile

Profitability

Return on assets

1.09%

57^th percentile

Net interest margin

3.20%

49^th percentile

Efficiency ratio

52.80%

45^th percentile

Non-interest income ratio

20.32%

64^th percentile

Capital & Risk

Net worth ratio

10.74%

49^th percentile

Delinquency rate

1.72%

8^th percentile

Net charge-off rate

0.58%

41^th percentile

Loan-to-share

92.92%

59^th percentile

Growth

Member growth YoY

6.11%

85^th percentile

Asset growth YoY

5.57%

50^th percentile

Loan growth YoY

5.70%

55^th percentile

Share growth YoY

8.52%

73^th percentile

Operations

Members / branch

6,833

41^th percentile

Assets / member

$18,795

57^th percentile

Field of membership penetration

2.27%

22^th percentile

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