Pampa Teachers

Pampa, TX · 1 · Charter #2046 · www.ptfcu-tx.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
$11.2M
44th percentile
Members
1,860
62th percentile
Total loans
$7.1M
54th percentile
Total shares
$9.1M
45th percentile

Profitability

Return on assets
-1.11%
5th percentile
Net interest margin
3.83%
45th percentile
Efficiency ratio
89.25%
13th percentile
Non-interest income ratio
22.02%
86th percentile

Capital & Risk

Net worth ratio
10.70%
20th percentile
Delinquency rate
1.49%
31th percentile
Net charge-off rate
0.65%
26th percentile
Loan-to-share
77.81%
73th percentile

Growth

Member growth YoY
-5.20%
17th percentile
Asset growth YoY
-7.45%
10th percentile
Loan growth YoY
-20.55%
6th percentile
Share growth YoY
-5.78%
18th percentile

Operations

Members / branch
1,860
75th percentile
Assets / member
$6,006
23th percentile
Field of membership penetration
46.50%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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