Palace City

Mitchell, SD · 1 · Charter #13103 · www.palacecitycu.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
$16.7M
57th percentile
Members
1,565
54th percentile
Total loans
$7.0M
54th percentile
Total shares
$14.8M
58th percentile

Profitability

Return on assets
0.63%
41th percentile
Net interest margin
3.62%
37th percentile
Efficiency ratio
66.36%
51th percentile
Non-interest income ratio
10.88%
55th percentile

Capital & Risk

Net worth ratio
9.61%
13th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.13%
96th percentile
Loan-to-share
47.15%
31th percentile

Growth

Member growth YoY
-1.94%
44th percentile
Asset growth YoY
0.89%
48th percentile
Loan growth YoY
-5.49%
39th percentile
Share growth YoY
-0.62%
42th percentile

Operations

Members / branch
1,565
66th percentile
Assets / member
$10,650
62th percentile
Field of membership penetration
48.91%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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