State Employees Community

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

$6.3M

30^th percentile

Members

1,027

37^th percentile

Total loans

$4.0M

37^th percentile

Total shares

$5.0M

30^th percentile

Profitability

Return on assets

0.96%

58^th percentile

Net interest margin

5.62%

92^th percentile

Efficiency ratio

72.02%

39^th percentile

Non-interest income ratio

25.49%

91^th percentile

Capital & Risk

Net worth ratio

20.68%

76^th percentile

Delinquency rate

0.06%

80^th percentile

Net charge-off rate

0.75%

23^th percentile

Loan-to-share

78.88%

75^th percentile

Growth

Member growth YoY

3.95%

92^th percentile

Asset growth YoY

-2.45%

28^th percentile

Loan growth YoY

5.92%

81^th percentile

Share growth YoY

-4.21%

24^th percentile

Operations

Members / branch

1,027

47^th percentile

Assets / member

$6,176

24^th percentile

Field of membership penetration

20.54%

33^th percentile

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