North East Welch

North East, PA · 1 · Charter #8687 · www.newelchfcu.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
$24.5M
69th percentile
Members
2,648
79th percentile
Total loans
$13.7M
75th percentile
Total shares
$20.2M
69th percentile

Profitability

Return on assets
2.15%
93th percentile
Net interest margin
4.81%
79th percentile
Efficiency ratio
57.21%
71th percentile
Non-interest income ratio
18.15%
79th percentile

Capital & Risk

Net worth ratio
17.07%
62th percentile
Delinquency rate
0.54%
56th percentile
Net charge-off rate
0.47%
34th percentile
Loan-to-share
67.79%
60th percentile

Growth

Member growth YoY
-3.64%
27th percentile
Asset growth YoY
3.91%
68th percentile
Loan growth YoY
-0.74%
60th percentile
Share growth YoY
2.11%
59th percentile

Operations

Members / branch
1,324
59th percentile
Assets / member
$9,256
50th percentile
Field of membership penetration
4.78%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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