Polam

Redwood City, CA · 1 · Charter #21502 · www.polamfcu.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
$73.9M
25th percentile
Members
3,818
12th percentile
Total loans
$65.1M
55th percentile
Total shares
$61.0M
24th percentile

Profitability

Return on assets
-0.40%
2th percentile
Net interest margin
2.97%
16th percentile
Efficiency ratio
89.30%
2th percentile
Non-interest income ratio
14.39%
36th percentile

Capital & Risk

Net worth ratio
13.74%
67th percentile
Delinquency rate
2.93%
4th percentile
Net charge-off rate
0.09%
85th percentile
Loan-to-share
106.72%
98th percentile

Growth

Member growth YoY
-1.09%
44th percentile
Asset growth YoY
-3.60%
5th percentile
Loan growth YoY
2.07%
55th percentile
Share growth YoY
-3.85%
6th percentile

Operations

Members / branch
636
0th percentile
Assets / member
$19,349
81th percentile
Field of membership penetration
47.73%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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