Public Service

Wausau, WI · 2 · Charter #66461 · www.publicservicecu.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
$12.9M
49th percentile
Members
998
36th percentile
Total loans
$10.6M
68th percentile
Total shares
$10.2M
48th percentile

Profitability

Return on assets
-0.50%
8th percentile
Net interest margin
3.08%
21th percentile
Efficiency ratio
87.14%
15th percentile
Non-interest income ratio
3.85%
28th percentile

Capital & Risk

Net worth ratio
20.67%
76th percentile
Delinquency rate
0.27%
67th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
103.85%
95th percentile

Growth

Member growth YoY
-8.78%
7th percentile
Asset growth YoY
8.93%
90th percentile
Loan growth YoY
25.27%
97th percentile
Share growth YoY
12.42%
94th percentile

Operations

Members / branch
998
46th percentile
Assets / member
$12,911
76th percentile
Field of membership penetration
6.65%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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