Olean Teachers' and Postal

OLEAN, NY · 1 · Charter #7656 · www.otpfcu.com
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
$26.5M
72th percentile
Members
1,703
58th percentile
Total loans
$9.5M
63th percentile
Total shares
$23.5M
74th percentile

Profitability

Return on assets
1.26%
70th percentile
Net interest margin
3.20%
24th percentile
Efficiency ratio
50.90%
82th percentile
Non-interest income ratio
1.79%
18th percentile

Capital & Risk

Net worth ratio
10.89%
22th percentile
Delinquency rate
0.99%
41th percentile
Net charge-off rate
0.14%
57th percentile
Loan-to-share
40.58%
22th percentile

Growth

Member growth YoY
2.65%
87th percentile
Asset growth YoY
2.33%
58th percentile
Loan growth YoY
28.38%
98th percentile
Share growth YoY
0.99%
53th percentile

Operations

Members / branch
1,703
70th percentile
Assets / member
$15,543
87th percentile
Field of membership penetration
2.12%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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