Ideal

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.1B

5^th percentile

Members

48,681

3^th percentile

Total loans

$887.2M

16^th percentile

Total shares

$875.1M

3^th percentile

Profitability

Return on assets

0.60%

23^th percentile

Net interest margin

3.29%

57^th percentile

Efficiency ratio

56.37%

29^th percentile

Non-interest income ratio

16.09%

33^th percentile

Capital & Risk

Net worth ratio

10.42%

42^th percentile

Delinquency rate

0.91%

35^th percentile

Net charge-off rate

0.51%

46^th percentile

Loan-to-share

101.39%

82^th percentile

Growth

Member growth YoY

-1.41%

16^th percentile

Asset growth YoY

4.07%

34^th percentile

Loan growth YoY

4.47%

46^th percentile

Share growth YoY

10.77%

85^th percentile

Operations

Members / branch

6,954

42^th percentile

Assets / member

$22,201

80^th percentile

Field of membership penetration

1.31%

11^th percentile

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