Polish National

Chicopee, MA · 2 · Charter #66597 · www.pncu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$759.2M
84th percentile
Members
28,606
51th percentile
Total loans
$621.8M
91th percentile
Total shares
$603.5M
79th percentile

Profitability

Return on assets
0.08%
7th percentile
Net interest margin
2.82%
15th percentile
Efficiency ratio
67.93%
17th percentile
Non-interest income ratio
14.05%
21th percentile

Capital & Risk

Net worth ratio
13.63%
82th percentile
Delinquency rate
0.14%
95th percentile
Net charge-off rate
0.03%
97th percentile
Loan-to-share
103.04%
94th percentile

Growth

Member growth YoY
3.17%
78th percentile
Asset growth YoY
1.96%
24th percentile
Loan growth YoY
4.17%
52th percentile
Share growth YoY
3.86%
41th percentile

Operations

Members / branch
3,576
27th percentile
Assets / member
$26,540
93th percentile
Field of membership penetration
1.82%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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