Pentagon

MCLEAN, VA · 1 · Charter #227 · www.penfed.org
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$29.3B
76th percentile
Members
2,752,809
86th percentile
Total loans
$22.8B
86th percentile
Total shares
$25.1B
76th percentile

Profitability

Return on assets
1.62%
76th percentile
Net interest margin
3.06%
52th percentile
Efficiency ratio
40.27%
57th percentile
Non-interest income ratio
18.84%
76th percentile

Capital & Risk

Net worth ratio
10.19%
57th percentile
Delinquency rate
1.28%
43th percentile
Net charge-off rate
1.81%
10th percentile
Loan-to-share
90.80%
48th percentile

Growth

Member growth YoY
-2.84%
10th percentile
Asset growth YoY
-5.55%
0th percentile
Loan growth YoY
-8.54%
0th percentile
Share growth YoY
-6.52%
0th percentile

Operations

Members / branch
74,400
90th percentile
Assets / member
$10,640
0th percentile
Field of membership penetration
0.80%
5th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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