Northwood

Philadelphia, PA · 1 · Charter #5062 · www.northwoodfcu.com
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
$7.1M
33th percentile
Members
312
11th percentile
Total loans
$2.4M
26th percentile
Total shares
$5.7M
33th percentile

Profitability

Return on assets
-0.45%
9th percentile
Net interest margin
2.03%
4th percentile
Efficiency ratio
72.54%
38th percentile
Non-interest income ratio
1.92%
19th percentile

Capital & Risk

Net worth ratio
18.39%
67th percentile
Delinquency rate
0.72%
50th percentile
Net charge-off rate
-0.10%
96th percentile
Loan-to-share
42.05%
24th percentile

Growth

Member growth YoY
-8.50%
7th percentile
Asset growth YoY
1.50%
52th percentile
Loan growth YoY
-8.02%
30th percentile
Share growth YoY
2.05%
59th percentile

Operations

Members / branch
156
5th percentile
Assets / member
$22,905
98th percentile
Field of membership penetration
20.80%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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