Penn South Cooperative

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

$8.3M

36^th percentile

Members

817

31^th percentile

Total loans

$6.5M

51^th percentile

Total shares

$6.9M

38^th percentile

Profitability

Return on assets

0.35%

29^th percentile

Net interest margin

3.68%

39^th percentile

Efficiency ratio

57.78%

70^th percentile

Non-interest income ratio

4.13%

30^th percentile

Capital & Risk

Net worth ratio

14.08%

45^th percentile

Delinquency rate

1.69%

28^th percentile

Net charge-off rate

0.02%

72^th percentile

Loan-to-share

93.54%

89^th percentile

Growth

Member growth YoY

1.49%

80^th percentile

Asset growth YoY

4.49%

71^th percentile

Loan growth YoY

4.59%

78^th percentile

Share growth YoY

4.61%

73^th percentile

Operations

Members / branch

817

39^th percentile

Assets / member

$10,147

57^th percentile

Field of membership penetration

28.67%

42^th percentile

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