Sweetwater Regional

Sweetwater, TX · 1 · Charter #11377 · www.sweetwatercredit.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$6.4M
30th percentile
Members
808
30th percentile
Total loans
$2.9M
30th percentile
Total shares
$5.0M
30th percentile

Profitability

Return on assets
-0.24%
11th percentile
Net interest margin
3.88%
47th percentile
Efficiency ratio
102.98%
5th percentile
Non-interest income ratio
23.37%
88th percentile

Capital & Risk

Net worth ratio
20.58%
76th percentile
Delinquency rate
0.55%
55th percentile
Net charge-off rate
-0.02%
93th percentile
Loan-to-share
57.14%
46th percentile

Growth

Member growth YoY
-3.35%
30th percentile
Asset growth YoY
-4.62%
18th percentile
Loan growth YoY
1.81%
70th percentile
Share growth YoY
-1.96%
35th percentile

Operations

Members / branch
808
38th percentile
Assets / member
$7,884
38th percentile
Field of membership penetration
20.20%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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