Arc

Altoona, PA · 1 · Charter #11304 · www.arcfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$150.2M
72th percentile
Members
14,465
89th percentile
Total loans
$80.3M
65th percentile
Total shares
$130.5M
74th percentile

Profitability

Return on assets
1.83%
88th percentile
Net interest margin
4.08%
74th percentile
Efficiency ratio
58.35%
64th percentile
Non-interest income ratio
19.66%
62th percentile

Capital & Risk

Net worth ratio
12.62%
55th percentile
Delinquency rate
1.51%
17th percentile
Net charge-off rate
0.16%
74th percentile
Loan-to-share
61.54%
38th percentile

Growth

Member growth YoY
0.51%
64th percentile
Asset growth YoY
5.69%
65th percentile
Loan growth YoY
3.64%
63th percentile
Share growth YoY
4.38%
59th percentile

Operations

Members / branch
7,233
94th percentile
Assets / member
$10,386
16th percentile
Field of membership penetration
40.18%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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