S and J School Employees

Wintersville, OH · 1 · Charter #17331 · www.sjschoolsfcu.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
$3.0M
16th percentile
Members
617
22th percentile
Total loans
$1.9M
22th percentile
Total shares
$2.6M
19th percentile

Profitability

Return on assets
0.75%
47th percentile
Net interest margin
6.31%
96th percentile
Efficiency ratio
87.90%
14th percentile
Non-interest income ratio
6.33%
38th percentile

Capital & Risk

Net worth ratio
11.12%
24th percentile
Delinquency rate
1.53%
31th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
73.26%
67th percentile

Growth

Member growth YoY
-3.89%
25th percentile
Asset growth YoY
-6.71%
11th percentile
Loan growth YoY
-8.06%
30th percentile
Share growth YoY
-8.29%
11th percentile

Operations

Members / branch
617
28th percentile
Assets / member
$4,782
15th percentile
Field of membership penetration
56.09%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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