Bessemer System

Greenville, PA · 1 · Charter #4982 · www.bessfcu.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
$46.7M
98th percentile
Members
3,120
86th percentile
Total loans
$8.6M
60th percentile
Total shares
$41.3M
98th percentile

Profitability

Return on assets
0.81%
50th percentile
Net interest margin
2.59%
10th percentile
Efficiency ratio
57.86%
70th percentile
Non-interest income ratio
13.51%
64th percentile

Capital & Risk

Net worth ratio
11.49%
26th percentile
Delinquency rate
1.19%
37th percentile
Net charge-off rate
0.58%
28th percentile
Loan-to-share
20.89%
6th percentile

Growth

Member growth YoY
-6.28%
12th percentile
Asset growth YoY
6.69%
83th percentile
Loan growth YoY
-28.87%
2th percentile
Share growth YoY
6.69%
83th percentile

Operations

Members / branch
3,120
93th percentile
Assets / member
$14,973
85th percentile
Field of membership penetration
2.72%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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