Pinpoint

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

$32.2M

80^th percentile

Members

2,947

83^th percentile

Total loans

$21.4M

91^th percentile

Total shares

$26.6M

79^th percentile

Profitability

Return on assets

1.55%

80^th percentile

Net interest margin

3.67%

38^th percentile

Efficiency ratio

63.30%

57^th percentile

Non-interest income ratio

34.17%

95^th percentile

Capital & Risk

Net worth ratio

7.54%

4^th percentile

Delinquency rate

4.24%

9^th percentile

Net charge-off rate

0.38%

39^th percentile

Loan-to-share

80.39%

76^th percentile

Growth

Member growth YoY

-0.27%

63^th percentile

Asset growth YoY

-0.63%

38^th percentile

Loan growth YoY

-4.96%

42^th percentile

Share growth YoY

4.91%

75^th percentile

Operations

Members / branch

2,947

91^th percentile

Assets / member

$10,922

64^th percentile

Field of membership penetration

18.76%

32^th percentile

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