PFCU

Portland, MI · 2 · Charter #68690 · www.pfcu4me.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$834.9M
90th percentile
Members
57,035
92th percentile
Total loans
$553.0M
85th percentile
Total shares
$737.6M
93th percentile

Profitability

Return on assets
1.23%
67th percentile
Net interest margin
4.00%
82th percentile
Efficiency ratio
66.08%
23th percentile
Non-interest income ratio
21.60%
66th percentile

Capital & Risk

Net worth ratio
11.20%
55th percentile
Delinquency rate
0.59%
61th percentile
Net charge-off rate
0.39%
54th percentile
Loan-to-share
74.97%
36th percentile

Growth

Member growth YoY
2.25%
70th percentile
Asset growth YoY
2.18%
26th percentile
Loan growth YoY
10.02%
81th percentile
Share growth YoY
0.80%
16th percentile

Operations

Members / branch
4,387
45th percentile
Assets / member
$14,639
36th percentile
Field of membership penetration
0.57%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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