Access

CLINTON, NY · 1 · Charter #5579 · www.accessfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$307.0M
17th percentile
Members
23,172
36th percentile
Total loans
$151.8M
5th percentile
Total shares
$276.0M
22th percentile

Profitability

Return on assets
0.90%
43th percentile
Net interest margin
2.86%
17th percentile
Efficiency ratio
56.54%
62th percentile
Non-interest income ratio
17.89%
43th percentile

Capital & Risk

Net worth ratio
9.10%
18th percentile
Delinquency rate
0.29%
87th percentile
Net charge-off rate
0.03%
97th percentile
Loan-to-share
55.00%
7th percentile

Growth

Member growth YoY
0.25%
46th percentile
Asset growth YoY
13.79%
94th percentile
Loan growth YoY
2.20%
40th percentile
Share growth YoY
13.62%
95th percentile

Operations

Members / branch
4,634
50th percentile
Assets / member
$13,247
22th percentile
Field of membership penetration
2.88%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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