Peoples Advantage

Petersburg, VA · 1 · Charter #17464 · www.peoplesadvfcu.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
$111.6M
53th percentile
Members
9,316
64th percentile
Total loans
$58.1M
49th percentile
Total shares
$82.0M
43th percentile

Profitability

Return on assets
2.00%
92th percentile
Net interest margin
4.65%
91th percentile
Efficiency ratio
68.76%
30th percentile
Non-interest income ratio
46.37%
100th percentile

Capital & Risk

Net worth ratio
21.43%
95th percentile
Delinquency rate
1.93%
10th percentile
Net charge-off rate
1.14%
9th percentile
Loan-to-share
70.93%
55th percentile

Growth

Member growth YoY
0.93%
69th percentile
Asset growth YoY
8.29%
82th percentile
Loan growth YoY
8.61%
83th percentile
Share growth YoY
7.17%
78th percentile

Operations

Members / branch
2,329
30th percentile
Assets / member
$11,984
28th percentile
Field of membership penetration
0.78%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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