Bulab Employees

Memphis, TN · 1 · Charter #20874
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
$2.5M
14th percentile
Members
302
10th percentile
Total loans
$1.3M
17th percentile
Total shares
$1.7M
14th percentile

Profitability

Return on assets
-0.90%
6th percentile
Net interest margin
5.20%
87th percentile
Efficiency ratio
94.22%
9th percentile
Non-interest income ratio
3.09%
24th percentile

Capital & Risk

Net worth ratio
31.16%
93th percentile
Delinquency rate
0.04%
82th percentile
Net charge-off rate
1.29%
12th percentile
Loan-to-share
74.23%
69th percentile

Growth

Member growth YoY
-9.85%
6th percentile
Asset growth YoY
-5.83%
14th percentile
Loan growth YoY
-27.32%
3th percentile
Share growth YoY
-7.03%
14th percentile

Operations

Members / branch
302
13th percentile
Assets / member
$8,180
41th percentile
Field of membership penetration
71.06%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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