Poly Scientific Employees

BLACKSBURG, VA · 1 · Charter #13544
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
$5.6M
28th percentile
Members
695
25th percentile
Total loans
$2.9M
30th percentile
Total shares
$4.1M
26th percentile

Profitability

Return on assets
0.28%
26th percentile
Net interest margin
3.98%
50th percentile
Efficiency ratio
56.80%
72th percentile
Non-interest income ratio
0.02%
5th percentile

Capital & Risk

Net worth ratio
25.64%
87th percentile
Delinquency rate
5.53%
6th percentile
Net charge-off rate
1.23%
13th percentile
Loan-to-share
69.46%
62th percentile

Growth

Member growth YoY
-2.93%
34th percentile
Asset growth YoY
-3.87%
21th percentile
Loan growth YoY
-13.48%
14th percentile
Share growth YoY
-5.46%
18th percentile

Operations

Members / branch
695
33th percentile
Assets / member
$8,021
39th percentile
Field of membership penetration
27.80%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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