Otis

Jay, ME · 1 · Charter #9349 · www.otisfcu.coop
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
$288.4M
13th percentile
Members
12,370
4th percentile
Total loans
$134.3M
3th percentile
Total shares
$239.9M
10th percentile

Profitability

Return on assets
1.71%
89th percentile
Net interest margin
3.00%
23th percentile
Efficiency ratio
38.13%
96th percentile
Non-interest income ratio
15.33%
28th percentile

Capital & Risk

Net worth ratio
16.14%
94th percentile
Delinquency rate
1.38%
14th percentile
Net charge-off rate
0.29%
63th percentile
Loan-to-share
55.97%
8th percentile

Growth

Member growth YoY
6.30%
93th percentile
Asset growth YoY
9.39%
83th percentile
Loan growth YoY
19.34%
96th percentile
Share growth YoY
9.54%
86th percentile

Operations

Members / branch
12,370
97th percentile
Assets / member
$23,313
87th percentile
Field of membership penetration
1.25%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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