Saint Nicholas

Wilkes Barre, PA · 1 · Charter #2583 · www.snfcu.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
$3.6M
19th percentile
Members
921
34th percentile
Total loans
$2.4M
26th percentile
Total shares
$3.1M
21th percentile

Profitability

Return on assets
0.06%
18th percentile
Net interest margin
5.30%
89th percentile
Efficiency ratio
86.02%
16th percentile
Non-interest income ratio
9.89%
52th percentile

Capital & Risk

Net worth ratio
14.63%
48th percentile
Delinquency rate
0.58%
55th percentile
Net charge-off rate
0.77%
22th percentile
Loan-to-share
77.96%
74th percentile

Growth

Member growth YoY
-1.60%
48th percentile
Asset growth YoY
-0.10%
41th percentile
Loan growth YoY
0.41%
64th percentile
Share growth YoY
1.51%
56th percentile

Operations

Members / branch
921
43th percentile
Assets / member
$3,901
10th percentile
Field of membership penetration
18.42%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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