Reed

HOUSTON, TX · 2 · Charter #67486 · HTTPS://WWW.REEDCREDITUNION.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
$15.3M
53th percentile
Members
985
36th percentile
Total loans
$2.0M
23th percentile
Total shares
$12.5M
54th percentile

Profitability

Return on assets
0.50%
35th percentile
Net interest margin
3.21%
24th percentile
Efficiency ratio
61.71%
61th percentile
Non-interest income ratio
3.84%
28th percentile

Capital & Risk

Net worth ratio
17.94%
66th percentile
Delinquency rate
3.65%
11th percentile
Net charge-off rate
0.12%
59th percentile
Loan-to-share
16.20%
4th percentile

Growth

Member growth YoY
-8.37%
8th percentile
Asset growth YoY
-5.49%
15th percentile
Loan growth YoY
-25.18%
3th percentile
Share growth YoY
-7.11%
14th percentile

Operations

Members / branch
985
45th percentile
Assets / member
$15,515
87th percentile
Field of membership penetration
39.40%
54th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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