Patriot Equity

JACKSON, TN · 2 · Charter #60082 · www.pecujax.org
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
$34.1M
83th percentile
Members
2,126
69th percentile
Total loans
$19.6M
88th percentile
Total shares
$30.4M
85th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
3.87%
46th percentile
Efficiency ratio
54.09%
77th percentile
Non-interest income ratio
15.33%
70th percentile

Capital & Risk

Net worth ratio
10.41%
18th percentile
Delinquency rate
1.92%
25th percentile
Net charge-off rate
2.88%
4th percentile
Loan-to-share
64.36%
55th percentile

Growth

Member growth YoY
-10.67%
5th percentile
Asset growth YoY
-9.14%
7th percentile
Loan growth YoY
-25.39%
3th percentile
Share growth YoY
-1.72%
36th percentile

Operations

Members / branch
2,126
80th percentile
Assets / member
$16,036
89th percentile
Field of membership penetration
4.25%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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