Cape

Clarksburg, WV · 1 · Charter #24841 · www.capecu.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
$16.2M
56th percentile
Members
1,184
42th percentile
Total loans
$5.3M
46th percentile
Total shares
$14.9M
59th percentile

Profitability

Return on assets
0.44%
32th percentile
Net interest margin
3.30%
27th percentile
Efficiency ratio
83.22%
19th percentile
Non-interest income ratio
14.22%
66th percentile

Capital & Risk

Net worth ratio
7.81%
4th percentile
Delinquency rate
3.12%
14th percentile
Net charge-off rate
0.93%
18th percentile
Loan-to-share
35.30%
17th percentile

Growth

Member growth YoY
-2.87%
34th percentile
Asset growth YoY
6.44%
82th percentile
Loan growth YoY
-13.36%
15th percentile
Share growth YoY
7.00%
84th percentile

Operations

Members / branch
1,184
54th percentile
Assets / member
$13,663
80th percentile
Field of membership penetration
4.74%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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