Earning Tree

Wilkes Barre, PA · 1 · Charter #12333 · www.etreefcu.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
$47.0M
98th percentile
Members
1,883
63th percentile
Total loans
$7.0M
54th percentile
Total shares
$42.3M
99th percentile

Profitability

Return on assets
0.55%
38th percentile
Net interest margin
1.54%
2th percentile
Efficiency ratio
26.68%
98th percentile
Non-interest income ratio
3.16%
24th percentile

Capital & Risk

Net worth ratio
10.56%
20th percentile
Delinquency rate
2.11%
23th percentile
Net charge-off rate
0.37%
40th percentile
Loan-to-share
16.65%
4th percentile

Growth

Member growth YoY
-3.29%
30th percentile
Asset growth YoY
8.25%
88th percentile
Loan growth YoY
2.25%
71th percentile
Share growth YoY
8.25%
88th percentile

Operations

Members / branch
471
21th percentile
Assets / member
$24,980
99th percentile
Field of membership penetration
26.90%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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