High Point

Olean, NY · 1 · Charter #21083 · www.highpointfcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$414.7M
44th percentile
Members
21,030
28th percentile
Total loans
$216.2M
27th percentile
Total shares
$359.8M
46th percentile

Profitability

Return on assets
0.39%
14th percentile
Net interest margin
2.68%
11th percentile
Efficiency ratio
67.08%
19th percentile
Non-interest income ratio
18.75%
48th percentile

Capital & Risk

Net worth ratio
14.11%
85th percentile
Delinquency rate
0.63%
58th percentile
Net charge-off rate
0.10%
89th percentile
Loan-to-share
60.09%
12th percentile

Growth

Member growth YoY
4.01%
84th percentile
Asset growth YoY
3.22%
36th percentile
Loan growth YoY
12.92%
89th percentile
Share growth YoY
1.75%
25th percentile

Operations

Members / branch
4,206
41th percentile
Assets / member
$19,720
74th percentile
Field of membership penetration
11.80%
75th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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