P & S

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

$25.5M

71^th percentile

Members

2,173

70^th percentile

Total loans

$16.6M

82^th percentile

Total shares

$22.2M

72^th percentile

Profitability

Return on assets

1.39%

76^th percentile

Net interest margin

4.15%

57^th percentile

Efficiency ratio

56.40%

73^th percentile

Non-interest income ratio

10.36%

54^th percentile

Capital & Risk

Net worth ratio

11.43%

25^th percentile

Delinquency rate

0.02%

83^th percentile

Net charge-off rate

0.25%

47^th percentile

Loan-to-share

74.54%

69^th percentile

Growth

Member growth YoY

-1.90%

45^th percentile

Asset growth YoY

6.63%

83^th percentile

Loan growth YoY

-2.80%

51^th percentile

Share growth YoY

5.32%

77^th percentile

Operations

Members / branch

1,087

50^th percentile

Assets / member

$11,747

69^th percentile

Field of membership penetration

0.18%

1^th percentile

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