Team First

LANCASTER, PA · 1 · Charter #14829 · WWW.TEAMFIRSTFCU.ORG
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
$9.0M
39th percentile
Members
813
30th percentile
Total loans
$4.6M
41th percentile
Total shares
$7.7M
40th percentile

Profitability

Return on assets
-1.66%
4th percentile
Net interest margin
3.49%
33th percentile
Efficiency ratio
119.22%
3th percentile
Non-interest income ratio
15.80%
72th percentile

Capital & Risk

Net worth ratio
12.49%
34th percentile
Delinquency rate
4.37%
9th percentile
Net charge-off rate
0.31%
43th percentile
Loan-to-share
60.38%
50th percentile

Growth

Member growth YoY
0.62%
74th percentile
Asset growth YoY
6.55%
82th percentile
Loan growth YoY
39.93%
99th percentile
Share growth YoY
6.39%
82th percentile

Operations

Members / branch
813
39th percentile
Assets / member
$11,114
65th percentile
Field of membership penetration
4.84%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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