N.F.G. #2

WARREN, PA · 1 · Charter #9776 · www.nfg2.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
$24.6M
69th percentile
Members
1,950
64th percentile
Total loans
$3.9M
37th percentile
Total shares
$20.9M
70th percentile

Profitability

Return on assets
0.49%
35th percentile
Net interest margin
3.40%
30th percentile
Efficiency ratio
84.23%
18th percentile
Non-interest income ratio
9.00%
49th percentile

Capital & Risk

Net worth ratio
15.08%
51th percentile
Delinquency rate
1.17%
37th percentile
Net charge-off rate
0.07%
65th percentile
Loan-to-share
18.84%
5th percentile

Growth

Member growth YoY
-5.29%
16th percentile
Asset growth YoY
2.00%
56th percentile
Loan growth YoY
-12.16%
18th percentile
Share growth YoY
1.62%
57th percentile

Operations

Members / branch
1,950
77th percentile
Assets / member
$12,591
74th percentile
Field of membership penetration
27.86%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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