Councill

NORMAL, AL · 1 · Charter #9554
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
$2.8M
16th percentile
Members
614
21th percentile
Total loans
$668.9K
12th percentile
Total shares
$2.4M
17th percentile

Profitability

Return on assets
-0.59%
7th percentile
Net interest margin
4.10%
55th percentile
Efficiency ratio
68.99%
45th percentile
Non-interest income ratio
5.59%
36th percentile

Capital & Risk

Net worth ratio
15.01%
51th percentile
Delinquency rate
0.71%
50th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
28.35%
10th percentile

Growth

Member growth YoY
2.16%
85th percentile
Asset growth YoY
-0.03%
41th percentile
Loan growth YoY
-19.79%
6th percentile
Share growth YoY
4.93%
75th percentile

Operations

Members / branch
205
8th percentile
Assets / member
$4,521
14th percentile
Field of membership penetration
30.70%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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