Parks Heritage

GLENS FALLS, NY · 1 · Charter #16933 · www.parksheritagefcu.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
$40.4M
90th percentile
Members
3,695
92th percentile
Total loans
$23.7M
93th percentile
Total shares
$33.5M
89th percentile

Profitability

Return on assets
1.84%
88th percentile
Net interest margin
4.44%
67th percentile
Efficiency ratio
58.24%
69th percentile
Non-interest income ratio
20.93%
84th percentile

Capital & Risk

Net worth ratio
16.81%
60th percentile
Delinquency rate
0.26%
68th percentile
Net charge-off rate
0.51%
31th percentile
Loan-to-share
70.65%
64th percentile

Growth

Member growth YoY
-6.10%
13th percentile
Asset growth YoY
8.41%
89th percentile
Loan growth YoY
3.10%
73th percentile
Share growth YoY
8.19%
87th percentile

Operations

Members / branch
3,695
96th percentile
Assets / member
$10,933
64th percentile
Field of membership penetration
0.91%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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