Safe Harbor

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

$182.2M

84^th percentile

Members

8,943

61^th percentile

Total loans

$151.4M

95^th percentile

Total shares

$164.1M

87^th percentile

Profitability

Return on assets

1.21%

62^th percentile

Net interest margin

3.92%

65^th percentile

Efficiency ratio

48.35%

85^th percentile

Non-interest income ratio

6.65%

6^th percentile

Capital & Risk

Net worth ratio

9.61%

18^th percentile

Delinquency rate

1.80%

12^th percentile

Net charge-off rate

0.25%

59^th percentile

Loan-to-share

92.25%

90^th percentile

Growth

Member growth YoY

1.39%

74^th percentile

Asset growth YoY

5.73%

66^th percentile

Loan growth YoY

6.06%

75^th percentile

Share growth YoY

11.42%

91^th percentile

Operations

Members / branch

8,943

97^th percentile

Assets / member

$20,373

85^th percentile

Field of membership penetration

23.16%

72^th percentile

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