Galaxy

Franklin, PA · 1 · Charter #4116 · www.galaxyfcu.com
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
$70.5M
21th percentile
Members
4,550
20th percentile
Total loans
$31.2M
16th percentile
Total shares
$58.0M
20th percentile

Profitability

Return on assets
0.93%
43th percentile
Net interest margin
2.97%
16th percentile
Efficiency ratio
54.52%
73th percentile
Non-interest income ratio
9.41%
13th percentile

Capital & Risk

Net worth ratio
17.54%
88th percentile
Delinquency rate
0.68%
52th percentile
Net charge-off rate
0.43%
40th percentile
Loan-to-share
53.84%
25th percentile

Growth

Member growth YoY
-1.81%
36th percentile
Asset growth YoY
6.98%
76th percentile
Loan growth YoY
2.91%
59th percentile
Share growth YoY
7.58%
80th percentile

Operations

Members / branch
4,550
78th percentile
Assets / member
$15,500
59th percentile
Field of membership penetration
65.00%
95th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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