Cecil County School Employees
Elkton, MD · Charter 8549 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 3 branches
Q4 2025
$25.1MAssets
$9.0MLoans
$22.9MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 47% of credit unions under $1B in assets (rank 859 of 1625).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1603 of 1622).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-2.34%
Rank 1,603 of 1,625
Net Interest Margin
3.74%
Rank 859 of 1,625
Efficiency Ratio
134.98%
Rank 1,603 of 1,622
Equity / Assets
8.31%
Rank 1,526 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.34% | 0.37% | 0.76% | 1.21% | Beats 1% | 1,603 / 1,625 | | |
| Return on Equity | -28.15% | 2.80% | 6.06% | 8.96% | Beats 1% | 1,609 / 1,623 | | |
| Net Interest Margin | 3.74% | 3.25% | 3.80% | 4.36% | Beats 47% | 859 / 1,625 | | |
| Efficiency Ratio | 134.98% | 68.56% | 77.08% | 85.11% | Beats 1% | 1,603 / 1,622 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.28% | 0.70% | 1.35% | Beats 20% | 1,293 / 1,623 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.31% | 10.44% | 12.79% | 16.54% | Beats 6% | 1,527 / 1,625 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.31% | 10.44% | 12.79% | 16.54% | Beats 6% | 1,526 / 1,624 | | |
| Liquidity & Funding |
| Loans / Deposits | 39.51% | 54.72% | 71.33% | 84.54% | 9th pctl | 1,474 / 1,624 | | |
| Loans / Assets | 35.93% | 46.04% | 60.45% | 71.73% | 12th pctl | 1,431 / 1,624 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |