Central Keystone

Sunbury, PA · 1 · Charter #9213 · www.ckfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$62.1M
14th percentile
Members
2,897
4th percentile
Total loans
$26.6M
10th percentile
Total shares
$50.1M
11th percentile

Profitability

Return on assets
1.36%
70th percentile
Net interest margin
3.09%
21th percentile
Efficiency ratio
43.17%
92th percentile
Non-interest income ratio
9.76%
15th percentile

Capital & Risk

Net worth ratio
18.72%
91th percentile
Delinquency rate
0.97%
35th percentile
Net charge-off rate
0.14%
77th percentile
Loan-to-share
53.07%
24th percentile

Growth

Member growth YoY
-0.48%
51th percentile
Asset growth YoY
4.22%
53th percentile
Loan growth YoY
5.11%
72th percentile
Share growth YoY
3.43%
51th percentile

Operations

Members / branch
2,897
45th percentile
Assets / member
$21,427
88th percentile
Field of membership penetration
31.77%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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