Hb Telco

Huron, SD · 1 · Charter #9888 · www.hbtelcofcu.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
$4.8M
24th percentile
Members
781
29th percentile
Total loans
$3.4M
34th percentile
Total shares
$4.3M
27th percentile

Profitability

Return on assets
-0.28%
10th percentile
Net interest margin
4.27%
62th percentile
Efficiency ratio
89.14%
13th percentile
Non-interest income ratio
5.45%
35th percentile

Capital & Risk

Net worth ratio
9.17%
11th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
1.04%
16th percentile
Loan-to-share
78.67%
75th percentile

Growth

Member growth YoY
-2.98%
33th percentile
Asset growth YoY
1.89%
55th percentile
Loan growth YoY
-2.81%
50th percentile
Share growth YoY
1.70%
57th percentile

Operations

Members / branch
781
37th percentile
Assets / member
$6,207
24th percentile
Field of membership penetration
52.07%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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