Country Heritage

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

$52.5M

3^th percentile

Members

1,226

0^th percentile

Total loans

$37.8M

24^th percentile

Total shares

$41.3M

1^th percentile

Profitability

Return on assets

1.05%

51^th percentile

Net interest margin

2.77%

11^th percentile

Efficiency ratio

36.85%

96^th percentile

Non-interest income ratio

1.37%

1^th percentile

Capital & Risk

Net worth ratio

21.27%

94^th percentile

Delinquency rate

2.27%

8^th percentile

Net charge-off rate

0.66%

21^th percentile

Loan-to-share

91.48%

89^th percentile

Growth

Member growth YoY

-2.15%

31^th percentile

Asset growth YoY

4.44%

55^th percentile

Loan growth YoY

5.35%

73^th percentile

Share growth YoY

4.27%

58^th percentile

Operations

Members / branch

1,226

4^th percentile

Assets / member

$42,859

99^th percentile

Field of membership penetration

4.90%

46^th percentile

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