Epic

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

$165.6M

78^th percentile

Members

13,789

86^th percentile

Total loans

$132.1M

91^th percentile

Total shares

$114.2M

65^th percentile

Profitability

Return on assets

2.10%

94^th percentile

Net interest margin

4.20%

79^th percentile

Efficiency ratio

57.46%

65^th percentile

Non-interest income ratio

32.27%

95^th percentile

Capital & Risk

Net worth ratio

14.34%

72^th percentile

Delinquency rate

2.51%

6^th percentile

Net charge-off rate

0.89%

14^th percentile

Loan-to-share

115.66%

99^th percentile

Growth

Member growth YoY

-1.08%

44^th percentile

Asset growth YoY

-1.06%

14^th percentile

Loan growth YoY

-3.33%

25^th percentile

Share growth YoY

0.13%

24^th percentile

Operations

Members / branch

4,596

78^th percentile

Assets / member

$12,009

29^th percentile

Field of membership penetration

2.17%

30^th percentile

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