Vitelco Employees

Charlotte Amali, VI · 1 · Charter #23294 · www.vitelcocu.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
$1.6M
10th percentile
Members
334
11th percentile
Total loans
$383.5K
8th percentile
Total shares
$1.5M
12th percentile

Profitability

Return on assets
-3.81%
2th percentile
Net interest margin
3.55%
35th percentile
Efficiency ratio
165.45%
1th percentile
Non-interest income ratio
24.37%
89th percentile

Capital & Risk

Net worth ratio
7.06%
2th percentile
Delinquency rate
3.98%
10th percentile
Net charge-off rate
-1.90%
99th percentile
Loan-to-share
26.30%
9th percentile

Growth

Member growth YoY
7.74%
96th percentile
Asset growth YoY
-3.00%
25th percentile
Loan growth YoY
5.19%
79th percentile
Share growth YoY
1.13%
54th percentile

Operations

Members / branch
167
6th percentile
Assets / member
$4,747
15th percentile
Field of membership penetration
1.67%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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