Gowanda Area

Gowanda, NY · 1 · Charter #818 · www.gafcu.org
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
$31.2M
79th percentile
Members
1,867
63th percentile
Total loans
$12.6M
73th percentile
Total shares
$26.1M
79th percentile

Profitability

Return on assets
2.52%
96th percentile
Net interest margin
4.11%
55th percentile
Efficiency ratio
42.83%
90th percentile
Non-interest income ratio
9.94%
52th percentile

Capital & Risk

Net worth ratio
16.22%
57th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.00%
91th percentile
Loan-to-share
48.39%
32th percentile

Growth

Member growth YoY
-2.61%
37th percentile
Asset growth YoY
1.06%
50th percentile
Loan growth YoY
-10.88%
22th percentile
Share growth YoY
-1.74%
36th percentile

Operations

Members / branch
1,867
75th percentile
Assets / member
$16,723
91th percentile
Field of membership penetration
23.13%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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