North Districts

GIBSONIA, PA · 2 · Charter #61636 · www.ndcupa.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
$44.6M
95th percentile
Members
3,283
88th percentile
Total loans
$15.4M
79th percentile
Total shares
$37.6M
95th percentile

Profitability

Return on assets
1.46%
77th percentile
Net interest margin
4.15%
57th percentile
Efficiency ratio
55.37%
75th percentile
Non-interest income ratio
3.49%
26th percentile

Capital & Risk

Net worth ratio
15.18%
51th percentile
Delinquency rate
5.95%
6th percentile
Net charge-off rate
0.73%
24th percentile
Loan-to-share
40.94%
23th percentile

Growth

Member growth YoY
-1.03%
54th percentile
Asset growth YoY
1.73%
54th percentile
Loan growth YoY
-4.53%
44th percentile
Share growth YoY
0.81%
52th percentile

Operations

Members / branch
3,283
94th percentile
Assets / member
$13,589
79th percentile
Field of membership penetration
2.19%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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