P.I.A.S.

Brentwood, TN · 2 · Charter #67779 · www.piascu.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
$4.3M
22th percentile
Members
543
19th percentile
Total loans
$2.2M
25th percentile
Total shares
$3.5M
23th percentile

Profitability

Return on assets
-3.33%
2th percentile
Net interest margin
3.84%
45th percentile
Efficiency ratio
388.22%
0th percentile
Non-interest income ratio
-268.29%
0th percentile

Capital & Risk

Net worth ratio
17.16%
62th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
63.93%
54th percentile

Growth

Member growth YoY
-4.06%
23th percentile
Asset growth YoY
5.16%
74th percentile
Loan growth YoY
-8.43%
29th percentile
Share growth YoY
7.71%
86th percentile

Operations

Members / branch
543
25th percentile
Assets / member
$7,831
37th percentile
Field of membership penetration
27.15%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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