Digital

Marlborough, MA · 1 · Charter #23521 · www.dcu.org
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$13.1B
14th percentile
Members
1,159,110
52th percentile
Total loans
$10.8B
19th percentile
Total shares
$11.7B
24th percentile

Profitability

Return on assets
1.61%
71th percentile
Net interest margin
3.89%
90th percentile
Efficiency ratio
46.45%
24th percentile
Non-interest income ratio
9.59%
14th percentile

Capital & Risk

Net worth ratio
9.69%
43th percentile
Delinquency rate
1.23%
52th percentile
Net charge-off rate
1.09%
29th percentile
Loan-to-share
91.82%
52th percentile

Growth

Member growth YoY
0.51%
19th percentile
Asset growth YoY
3.49%
24th percentile
Loan growth YoY
-1.14%
5th percentile
Share growth YoY
6.57%
43th percentile

Operations

Members / branch
50,396
85th percentile
Assets / member
$11,288
5th percentile
Field of membership penetration
5.63%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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