Benchmark

West Chester, PA · 1 · Charter #3738 · www.benchmarkfcu.org
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
$296.4M
14th percentile
Members
8,943
1th percentile
Total loans
$218.5M
27th percentile
Total shares
$237.8M
9th percentile

Profitability

Return on assets
-0.57%
1th percentile
Net interest margin
1.86%
1th percentile
Efficiency ratio
54.04%
70th percentile
Non-interest income ratio
11.90%
11th percentile

Capital & Risk

Net worth ratio
10.31%
41th percentile
Delinquency rate
0.52%
68th percentile
Net charge-off rate
0.06%
93th percentile
Loan-to-share
91.91%
79th percentile

Growth

Member growth YoY
-8.96%
3th percentile
Asset growth YoY
-3.01%
5th percentile
Loan growth YoY
-9.96%
2th percentile
Share growth YoY
-1.61%
7th percentile

Operations

Members / branch
2,981
16th percentile
Assets / member
$33,147
97th percentile
Field of membership penetration
1.70%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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