Discovery

WYOMISSING, PA · 1 · Charter #12935 · www.discoveryfcu.org
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
$188.1M
86th percentile
Members
9,000
61th percentile
Total loans
$129.4M
90th percentile
Total shares
$166.7M
88th percentile

Profitability

Return on assets
1.09%
54th percentile
Net interest margin
3.39%
35th percentile
Efficiency ratio
57.05%
66th percentile
Non-interest income ratio
19.44%
61th percentile

Capital & Risk

Net worth ratio
11.44%
40th percentile
Delinquency rate
0.43%
71th percentile
Net charge-off rate
0.18%
71th percentile
Loan-to-share
77.63%
67th percentile

Growth

Member growth YoY
2.40%
82th percentile
Asset growth YoY
3.88%
50th percentile
Loan growth YoY
10.58%
88th percentile
Share growth YoY
2.85%
45th percentile

Operations

Members / branch
9,000
97th percentile
Assets / member
$20,900
87th percentile
Field of membership penetration
2.14%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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