P.H.I.

Lafayette, LA · 1 · Charter #21879 · www.phifcu.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
$4.9M
24th percentile
Members
849
31th percentile
Total loans
$3.4M
33th percentile
Total shares
$4.5M
28th percentile

Profitability

Return on assets
-1.83%
3th percentile
Net interest margin
5.19%
87th percentile
Efficiency ratio
101.81%
5th percentile
Non-interest income ratio
5.73%
36th percentile

Capital & Risk

Net worth ratio
7.25%
3th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
2.35%
5th percentile
Loan-to-share
75.02%
70th percentile

Growth

Member growth YoY
-12.29%
4th percentile
Asset growth YoY
-5.62%
14th percentile
Loan growth YoY
-11.48%
19th percentile
Share growth YoY
-4.36%
23th percentile

Operations

Members / branch
849
40th percentile
Assets / member
$5,776
22th percentile
Field of membership penetration
33.96%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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