Beginnings

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.5B

34^th percentile

Members

75,152

24^th percentile

Total loans

$1.0B

29^th percentile

Total shares

$1.3B

34^th percentile

Profitability

Return on assets

0.88%

42^th percentile

Net interest margin

3.37%

59^th percentile

Efficiency ratio

65.63%

6^th percentile

Non-interest income ratio

19.25%

54^th percentile

Capital & Risk

Net worth ratio

13.62%

87^th percentile

Delinquency rate

0.98%

29^th percentile

Net charge-off rate

0.50%

49^th percentile

Loan-to-share

81.67%

32^th percentile

Growth

Member growth YoY

-2.49%

11^th percentile

Asset growth YoY

5.31%

46^th percentile

Loan growth YoY

3.84%

42^th percentile

Share growth YoY

4.51%

39^th percentile

Operations

Members / branch

5,368

20^th percentile

Assets / member

$20,116

68^th percentile

Field of membership penetration

8.32%

63^th percentile

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