Peninsula

Escanaba, MI · 1 · Charter #4291 · www.peninsulafcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$352.5M
30th percentile
Members
17,730
15th percentile
Total loans
$285.5M
47th percentile
Total shares
$297.7M
29th percentile

Profitability

Return on assets
1.14%
62th percentile
Net interest margin
3.71%
68th percentile
Efficiency ratio
49.66%
82th percentile
Non-interest income ratio
9.85%
7th percentile

Capital & Risk

Net worth ratio
8.88%
15th percentile
Delinquency rate
1.00%
28th percentile
Net charge-off rate
0.45%
46th percentile
Loan-to-share
95.89%
86th percentile

Growth

Member growth YoY
13.98%
97th percentile
Asset growth YoY
7.17%
67th percentile
Loan growth YoY
8.06%
72th percentile
Share growth YoY
7.83%
78th percentile

Operations

Members / branch
4,433
47th percentile
Assets / member
$19,881
75th percentile
Field of membership penetration
4.08%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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