Wave

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

$149.2M

72^th percentile

Members

6,849

43^th percentile

Total loans

$78.2M

64^th percentile

Total shares

$129.7M

73^th percentile

Profitability

Return on assets

0.57%

21^th percentile

Net interest margin

3.17%

24^th percentile

Efficiency ratio

62.39%

51^th percentile

Non-interest income ratio

7.86%

9^th percentile

Capital & Risk

Net worth ratio

12.68%

56^th percentile

Delinquency rate

1.02%

33^th percentile

Net charge-off rate

0.11%

81^th percentile

Loan-to-share

60.34%

36^th percentile

Growth

Member growth YoY

-0.45%

52^th percentile

Asset growth YoY

0.87%

26^th percentile

Loan growth YoY

-2.39%

29^th percentile

Share growth YoY

0.46%

27^th percentile

Operations

Members / branch

2,283

29^th percentile

Assets / member

$21,781

89^th percentile

Field of membership penetration

0.43%

4^th percentile

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