Cutting Edge

Milwaukie, OR · 1 · Charter #8317 · www.cuttingedgefcu.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
$50.7M
1th percentile
Members
3,802
12th percentile
Total loans
$19.1M
3th percentile
Total shares
$44.2M
3th percentile

Profitability

Return on assets
-0.81%
1th percentile
Net interest margin
3.50%
41th percentile
Efficiency ratio
99.95%
0th percentile
Non-interest income ratio
21.93%
73th percentile

Capital & Risk

Net worth ratio
9.78%
20th percentile
Delinquency rate
1.06%
31th percentile
Net charge-off rate
0.71%
18th percentile
Loan-to-share
43.19%
11th percentile

Growth

Member growth YoY
-1.09%
44th percentile
Asset growth YoY
-10.22%
1th percentile
Loan growth YoY
-8.87%
7th percentile
Share growth YoY
-11.98%
0th percentile

Operations

Members / branch
1,901
19th percentile
Assets / member
$13,340
41th percentile
Field of membership penetration
11.06%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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