People Driven

Southfield, MI · 2 · Charter #61068 · www.peopledrivencu.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
$497.4M
58th percentile
Members
25,362
42th percentile
Total loans
$367.8M
63th percentile
Total shares
$423.0M
57th percentile

Profitability

Return on assets
1.25%
68th percentile
Net interest margin
4.40%
93th percentile
Efficiency ratio
63.72%
30th percentile
Non-interest income ratio
20.71%
60th percentile

Capital & Risk

Net worth ratio
10.26%
39th percentile
Delinquency rate
0.56%
64th percentile
Net charge-off rate
0.80%
18th percentile
Loan-to-share
86.94%
67th percentile

Growth

Member growth YoY
-1.23%
30th percentile
Asset growth YoY
5.66%
54th percentile
Loan growth YoY
17.83%
95th percentile
Share growth YoY
4.65%
50th percentile

Operations

Members / branch
5,072
58th percentile
Assets / member
$19,612
74th percentile
Field of membership penetration
0.25%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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