Community First

Ashtabula, OH · 2 · Charter #61094 · WWW.CFCUA.COM
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
$96.4M
43th percentile
Members
5,002
25th percentile
Total loans
$46.4M
35th percentile
Total shares
$82.1M
43th percentile

Profitability

Return on assets
0.85%
37th percentile
Net interest margin
3.57%
45th percentile
Efficiency ratio
66.34%
38th percentile
Non-interest income ratio
9.70%
14th percentile

Capital & Risk

Net worth ratio
13.71%
67th percentile
Delinquency rate
1.30%
23th percentile
Net charge-off rate
0.10%
84th percentile
Loan-to-share
56.46%
30th percentile

Growth

Member growth YoY
-1.90%
34th percentile
Asset growth YoY
2.92%
42th percentile
Loan growth YoY
10.42%
88th percentile
Share growth YoY
1.95%
38th percentile

Operations

Members / branch
2,501
36th percentile
Assets / member
$19,263
81th percentile
Field of membership penetration
5.10%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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