Jsc

Houston, TX · 1 · Charter #14762 · www.wellbyfinancial.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.7B
62th percentile
Members
125,197
54th percentile
Total loans
$1.8B
58th percentile
Total shares
$2.3B
65th percentile

Profitability

Return on assets
0.61%
24th percentile
Net interest margin
2.64%
19th percentile
Efficiency ratio
51.24%
51th percentile
Non-interest income ratio
15.13%
27th percentile

Capital & Risk

Net worth ratio
11.73%
67th percentile
Delinquency rate
1.18%
19th percentile
Net charge-off rate
0.71%
27th percentile
Loan-to-share
76.37%
22th percentile

Growth

Member growth YoY
-4.79%
6th percentile
Asset growth YoY
0.35%
13th percentile
Loan growth YoY
-6.09%
4th percentile
Share growth YoY
-0.76%
9th percentile

Operations

Members / branch
5,443
22th percentile
Assets / member
$21,239
75th percentile
Field of membership penetration
4.64%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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