University of Pennsylvania Students

Philadelphia, PA · 1 · Charter #24290 · www.upennsfcu.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
$4.7M
23th percentile
Members
693
25th percentile
Total loans
$107.0K
4th percentile
Total shares
$3.6M
24th percentile

Profitability

Return on assets
-1.24%
5th percentile
Net interest margin
1.70%
3th percentile
Efficiency ratio
127.69%
2th percentile
Non-interest income ratio
29.62%
94th percentile

Capital & Risk

Net worth ratio
17.08%
62th percentile
Delinquency rate
4.02%
10th percentile
Net charge-off rate
12.70%
0th percentile
Loan-to-share
2.98%
1th percentile

Growth

Member growth YoY
9.48%
97th percentile
Asset growth YoY
-11.68%
4th percentile
Loan growth YoY
-52.23%
0th percentile
Share growth YoY
-14.58%
3th percentile

Operations

Members / branch
693
33th percentile
Assets / member
$6,820
29th percentile
Field of membership penetration
0.46%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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