Employee Resources

LAWRENCEBURG, TN · 2 · Charter #67789 · www.ercu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$184.7M
85th percentile
Members
24,596
99th percentile
Total loans
$134.7M
91th percentile
Total shares
$166.8M
88th percentile

Profitability

Return on assets
1.23%
64th percentile
Net interest margin
3.36%
34th percentile
Efficiency ratio
51.94%
80th percentile
Non-interest income ratio
19.69%
62th percentile

Capital & Risk

Net worth ratio
9.23%
14th percentile
Delinquency rate
0.85%
42th percentile
Net charge-off rate
0.75%
17th percentile
Loan-to-share
80.77%
72th percentile

Growth

Member growth YoY
5.85%
94th percentile
Asset growth YoY
3.97%
50th percentile
Loan growth YoY
5.01%
71th percentile
Share growth YoY
3.39%
50th percentile

Operations

Members / branch
4,099
71th percentile
Assets / member
$7,509
3th percentile
Field of membership penetration
61.49%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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