Allvac Savings and

MONROE, NC · 2 · Charter #60660 · WWW.ALLVACCU.COM
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
$8.4M
37th percentile
Members
1,414
50th percentile
Total loans
$5.1M
44th percentile
Total shares
$7.0M
38th percentile

Profitability

Return on assets
1.76%
86th percentile
Net interest margin
4.63%
74th percentile
Efficiency ratio
66.58%
50th percentile
Non-interest income ratio
25.93%
91th percentile

Capital & Risk

Net worth ratio
19.18%
71th percentile
Delinquency rate
0.40%
62th percentile
Net charge-off rate
0.11%
61th percentile
Loan-to-share
72.48%
67th percentile

Growth

Member growth YoY
0.35%
71th percentile
Asset growth YoY
0.68%
47th percentile
Loan growth YoY
-2.91%
50th percentile
Share growth YoY
0.41%
49th percentile

Operations

Members / branch
1,414
62th percentile
Assets / member
$5,958
23th percentile
Field of membership penetration
56.56%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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