M O

Huron, SD · 1 · Charter #7020 · www.m-ofcu.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
$42.4M
93th percentile
Members
1,774
60th percentile
Total loans
$22.2M
91th percentile
Total shares
$35.8M
92th percentile

Profitability

Return on assets
1.30%
71th percentile
Net interest margin
3.31%
28th percentile
Efficiency ratio
48.85%
84th percentile
Non-interest income ratio
8.54%
47th percentile

Capital & Risk

Net worth ratio
13.04%
38th percentile
Delinquency rate
0.06%
80th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
62.03%
52th percentile

Growth

Member growth YoY
-1.33%
50th percentile
Asset growth YoY
-0.05%
41th percentile
Loan growth YoY
-0.34%
61th percentile
Share growth YoY
-3.75%
26th percentile

Operations

Members / branch
1,774
72th percentile
Assets / member
$23,912
98th percentile
Field of membership penetration
50.69%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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