Southern Chautauqua

Lakewood, NY · 1 · Charter #9107 · www.665-7000.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$162.3M
76th percentile
Members
21,094
98th percentile
Total loans
$116.6M
84th percentile
Total shares
$128.4M
72th percentile

Profitability

Return on assets
2.72%
99th percentile
Net interest margin
5.47%
99th percentile
Efficiency ratio
58.34%
64th percentile
Non-interest income ratio
29.40%
92th percentile

Capital & Risk

Net worth ratio
16.93%
86th percentile
Delinquency rate
1.35%
21th percentile
Net charge-off rate
0.69%
19th percentile
Loan-to-share
90.80%
88th percentile

Growth

Member growth YoY
6.58%
95th percentile
Asset growth YoY
7.18%
77th percentile
Loan growth YoY
-1.05%
36th percentile
Share growth YoY
7.52%
79th percentile

Operations

Members / branch
2,344
31th percentile
Assets / member
$7,692
4th percentile
Field of membership penetration
16.63%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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