St. Jude

CHICAGO, IL · 2 · Charter #65484 · www.stjudecreditunion.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
$297.1K
2th percentile
Members
72
1th percentile
Total loans
$6.2K
1th percentile
Total shares
$194.8K
2th percentile

Profitability

Return on assets
7.55%
100th percentile
Net interest margin
2.07%
5th percentile
Efficiency ratio
27.39%
98th percentile
Non-interest income ratio
71.17%
99th percentile

Capital & Risk

Net worth ratio
34.43%
95th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-28.82%
100th percentile
Loan-to-share
3.20%
1th percentile

Growth

Member growth YoY
-27.27%
1th percentile
Asset growth YoY
18.48%
98th percentile
Loan growth YoY
-39.77%
1th percentile
Share growth YoY
10.55%
92th percentile

Operations

Members / branch
72
2th percentile
Assets / member
$4,127
11th percentile
Field of membership penetration
48.00%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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