Patterson

ARKADELPHIA, AR · 1 · Charter #11902 · www.pfcuonline.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
$36.8M
86th percentile
Members
3,899
94th percentile
Total loans
$25.2M
94th percentile
Total shares
$30.4M
85th percentile

Profitability

Return on assets
2.53%
96th percentile
Net interest margin
4.82%
79th percentile
Efficiency ratio
55.64%
75th percentile
Non-interest income ratio
25.46%
91th percentile

Capital & Risk

Net worth ratio
16.95%
61th percentile
Delinquency rate
0.16%
74th percentile
Net charge-off rate
0.34%
41th percentile
Loan-to-share
82.97%
80th percentile

Growth

Member growth YoY
3.75%
91th percentile
Asset growth YoY
8.33%
88th percentile
Loan growth YoY
13.44%
93th percentile
Share growth YoY
6.90%
84th percentile

Operations

Members / branch
3,899
97th percentile
Assets / member
$9,445
52th percentile
Field of membership penetration
15.60%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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