Healthcare First Credit Union

JOHNSTOWN, PA · 2 · Charter #65013 · www.healthcarefirstcu.com
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
$99.3M
46th percentile
Members
8,098
54th percentile
Total loans
$29.0M
13th percentile
Total shares
$83.2M
45th percentile

Profitability

Return on assets
0.82%
35th percentile
Net interest margin
2.79%
11th percentile
Efficiency ratio
64.81%
43th percentile
Non-interest income ratio
18.44%
56th percentile

Capital & Risk

Net worth ratio
13.19%
62th percentile
Delinquency rate
1.43%
18th percentile
Net charge-off rate
0.10%
83th percentile
Loan-to-share
34.81%
5th percentile

Growth

Member growth YoY
-3.05%
24th percentile
Asset growth YoY
0.92%
26th percentile
Loan growth YoY
-13.54%
2th percentile
Share growth YoY
-1.78%
14th percentile

Operations

Members / branch
1,012
2th percentile
Assets / member
$12,265
31th percentile
Field of membership penetration
13.71%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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