Trailhead

PORTLAND, OR · 1 · Charter #644 · www.trailheadcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$156.4M
74th percentile
Members
8,532
58th percentile
Total loans
$105.1M
78th percentile
Total shares
$138.8M
76th percentile

Profitability

Return on assets
0.24%
8th percentile
Net interest margin
4.17%
78th percentile
Efficiency ratio
68.26%
32th percentile
Non-interest income ratio
7.78%
9th percentile

Capital & Risk

Net worth ratio
10.13%
24th percentile
Delinquency rate
3.03%
3th percentile
Net charge-off rate
0.64%
22th percentile
Loan-to-share
75.70%
63th percentile

Growth

Member growth YoY
-1.61%
38th percentile
Asset growth YoY
-4.19%
4th percentile
Loan growth YoY
-4.55%
19th percentile
Share growth YoY
-2.24%
12th percentile

Operations

Members / branch
2,844
44th percentile
Assets / member
$18,326
78th percentile
Field of membership penetration
1.07%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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