Alcose

White Oak, PA · 2 · Charter #61926 · www.alcosecu.com
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
$16.0M
55th percentile
Members
2,074
67th percentile
Total loans
$4.5M
41th percentile
Total shares
$13.5M
56th percentile

Profitability

Return on assets
0.70%
44th percentile
Net interest margin
3.39%
30th percentile
Efficiency ratio
80.14%
23th percentile
Non-interest income ratio
27.58%
92th percentile

Capital & Risk

Net worth ratio
16.21%
57th percentile
Delinquency rate
0.59%
54th percentile
Net charge-off rate
0.48%
33th percentile
Loan-to-share
33.06%
14th percentile

Growth

Member growth YoY
-3.76%
26th percentile
Asset growth YoY
-1.45%
33th percentile
Loan growth YoY
-6.60%
35th percentile
Share growth YoY
-2.52%
31th percentile

Operations

Members / branch
1,037
48th percentile
Assets / member
$7,721
36th percentile
Field of membership penetration
20.74%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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