Amherst

AMHERST, NY · 1 · Charter #5439 · www.amherstcu.org
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
$41.3M
91th percentile
Members
3,860
93th percentile
Total loans
$20.6M
90th percentile
Total shares
$37.0M
94th percentile

Profitability

Return on assets
1.07%
62th percentile
Net interest margin
3.37%
29th percentile
Efficiency ratio
64.49%
55th percentile
Non-interest income ratio
12.26%
60th percentile

Capital & Risk

Net worth ratio
10.25%
17th percentile
Delinquency rate
0.04%
81th percentile
Net charge-off rate
0.02%
72th percentile
Loan-to-share
55.79%
44th percentile

Growth

Member growth YoY
-1.00%
55th percentile
Asset growth YoY
1.16%
50th percentile
Loan growth YoY
-2.44%
52th percentile
Share growth YoY
0.02%
47th percentile

Operations

Members / branch
1,930
76th percentile
Assets / member
$10,689
62th percentile
Field of membership penetration
1.42%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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