Americhoice

Mechanicsburg, PA · 1 · Charter #20041 · www.americhoice.org
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
$233.2M
96th percentile
Members
15,781
92th percentile
Total loans
$149.4M
95th percentile
Total shares
$203.6M
97th percentile

Profitability

Return on assets
1.17%
60th percentile
Net interest margin
4.02%
69th percentile
Efficiency ratio
67.56%
34th percentile
Non-interest income ratio
19.78%
63th percentile

Capital & Risk

Net worth ratio
12.31%
51th percentile
Delinquency rate
1.22%
25th percentile
Net charge-off rate
0.27%
56th percentile
Loan-to-share
73.35%
60th percentile

Growth

Member growth YoY
-0.28%
54th percentile
Asset growth YoY
4.74%
58th percentile
Loan growth YoY
-4.10%
21th percentile
Share growth YoY
3.13%
47th percentile

Operations

Members / branch
3,156
51th percentile
Assets / member
$14,778
53th percentile
Field of membership penetration
1.20%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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