Apl

Laurel, MD · 1 · Charter #9475 · www.aplfcu.org
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
$697.8M
77th percentile
Members
30,919
55th percentile
Total loans
$456.9M
75th percentile
Total shares
$617.6M
81th percentile

Profitability

Return on assets
1.15%
63th percentile
Net interest margin
2.56%
8th percentile
Efficiency ratio
48.08%
87th percentile
Non-interest income ratio
18.19%
44th percentile

Capital & Risk

Net worth ratio
11.34%
57th percentile
Delinquency rate
0.51%
70th percentile
Net charge-off rate
0.14%
84th percentile
Loan-to-share
73.98%
35th percentile

Growth

Member growth YoY
1.16%
58th percentile
Asset growth YoY
8.92%
81th percentile
Loan growth YoY
2.72%
42th percentile
Share growth YoY
7.74%
77th percentile

Operations

Members / branch
10,306
94th percentile
Assets / member
$22,570
85th percentile
Field of membership penetration
9.10%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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