Pagoda

READING, PA · 1 · Charter #15532 · www.pagodafcu.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
$31.8M
80th percentile
Members
2,623
78th percentile
Total loans
$10.2M
66th percentile
Total shares
$28.1M
81th percentile

Profitability

Return on assets
2.12%
92th percentile
Net interest margin
4.55%
71th percentile
Efficiency ratio
61.04%
62th percentile
Non-interest income ratio
18.87%
80th percentile

Capital & Risk

Net worth ratio
11.34%
25th percentile
Delinquency rate
0.51%
57th percentile
Net charge-off rate
0.27%
46th percentile
Loan-to-share
36.20%
18th percentile

Growth

Member growth YoY
-3.42%
29th percentile
Asset growth YoY
6.40%
82th percentile
Loan growth YoY
1.91%
70th percentile
Share growth YoY
4.82%
74th percentile

Operations

Members / branch
2,623
88th percentile
Assets / member
$12,132
71th percentile
Field of membership penetration
0.66%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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