Four Seasons

OPELIKA, AL · 1 · Charter #16479 · www.fourseasonsfcu.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
$94.5M
42th percentile
Members
9,539
66th percentile
Total loans
$57.0M
48th percentile
Total shares
$83.3M
45th percentile

Profitability

Return on assets
2.22%
95th percentile
Net interest margin
4.98%
95th percentile
Efficiency ratio
60.38%
57th percentile
Non-interest income ratio
25.07%
83th percentile

Capital & Risk

Net worth ratio
8.88%
10th percentile
Delinquency rate
1.41%
19th percentile
Net charge-off rate
1.52%
5th percentile
Loan-to-share
68.46%
51th percentile

Growth

Member growth YoY
2.20%
81th percentile
Asset growth YoY
3.89%
50th percentile
Loan growth YoY
7.81%
80th percentile
Share growth YoY
2.91%
46th percentile

Operations

Members / branch
4,770
81th percentile
Assets / member
$9,911
13th percentile
Field of membership penetration
5.74%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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