Commonroots

CRANBERRY TOWNS, PA · 1 · Charter #8313 · www.commonrootsfcu.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
$14.5M
52th percentile
Members
1,721
58th percentile
Total loans
$6.5M
51th percentile
Total shares
$13.5M
56th percentile

Profitability

Return on assets
-3.06%
2th percentile
Net interest margin
4.67%
75th percentile
Efficiency ratio
138.21%
2th percentile
Non-interest income ratio
4.61%
32th percentile

Capital & Risk

Net worth ratio
7.17%
2th percentile
Delinquency rate
0.11%
77th percentile
Net charge-off rate
0.46%
35th percentile
Loan-to-share
48.38%
32th percentile

Growth

Member growth YoY
-6.72%
11th percentile
Asset growth YoY
-11.40%
4th percentile
Loan growth YoY
-13.19%
15th percentile
Share growth YoY
-6.24%
16th percentile

Operations

Members / branch
1,721
71th percentile
Assets / member
$8,411
43th percentile
Field of membership penetration
0.86%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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