Espeeco

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

$12.2M

47^th percentile

Members

1,076

39^th percentile

Total loans

$6.2M

50^th percentile

Total shares

$11.4M

51^th percentile

Profitability

Return on assets

-0.29%

10^th percentile

Net interest margin

3.64%

37^th percentile

Efficiency ratio

89.50%

13^th percentile

Non-interest income ratio

11.99%

59^th percentile

Capital & Risk

Net worth ratio

7.36%

3^th percentile

Delinquency rate

1.17%

37^th percentile

Net charge-off rate

1.41%

11^th percentile

Loan-to-share

54.66%

42^th percentile

Growth

Member growth YoY

-0.55%

60^th percentile

Asset growth YoY

3.93%

68^th percentile

Loan growth YoY

1.69%

69^th percentile

Share growth YoY

4.42%

72^th percentile

Operations

Members / branch

1,076

49^th percentile

Assets / member

$11,323

66^th percentile

Field of membership penetration

43.04%

58^th percentile

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