Sca

NEW CASTLE, PA · 1 · Charter #444 · www.shenangochinafcu.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
$16.8M
57th percentile
Members
1,653
56th percentile
Total loans
$7.3M
56th percentile
Total shares
$13.6M
56th percentile

Profitability

Return on assets
1.41%
76th percentile
Net interest margin
3.88%
46th percentile
Efficiency ratio
57.16%
71th percentile
Non-interest income ratio
11.82%
59th percentile

Capital & Risk

Net worth ratio
19.73%
73th percentile
Delinquency rate
0.34%
64th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
53.92%
41th percentile

Growth

Member growth YoY
-3.39%
29th percentile
Asset growth YoY
2.14%
57th percentile
Loan growth YoY
-9.76%
25th percentile
Share growth YoY
0.79%
52th percentile

Operations

Members / branch
1,653
69th percentile
Assets / member
$10,152
57th percentile
Field of membership penetration
4.13%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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