Springfield Street Railway Emp.

SPRINGFIELD, MA · 2 · Charter #67965
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
$1.1M
8th percentile
Members
164
4th percentile
Total loans
$349.4K
7th percentile
Total shares
$791.3K
7th percentile

Profitability

Return on assets
-4.83%
1th percentile
Net interest margin
7.30%
99th percentile
Efficiency ratio
156.10%
2th percentile
Non-interest income ratio
0.08%
6th percentile

Capital & Risk

Net worth ratio
20.92%
77th percentile
Delinquency rate
4.08%
10th percentile
Net charge-off rate
4.71%
2th percentile
Loan-to-share
44.15%
27th percentile

Growth

Member growth YoY
-8.89%
7th percentile
Asset growth YoY
-8.95%
7th percentile
Loan growth YoY
-5.39%
39th percentile
Share growth YoY
-6.75%
15th percentile

Operations

Members / branch
82
2th percentile
Assets / member
$6,513
27th percentile
Field of membership penetration
100.00%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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