Top Tier

Clarion, PA · 1 · Charter #3655 · www.toptierfcu.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
$254.0M
2th percentile
Members
17,259
14th percentile
Total loans
$194.1M
17th percentile
Total shares
$226.7M
5th percentile

Profitability

Return on assets
1.41%
78th percentile
Net interest margin
2.82%
16th percentile
Efficiency ratio
41.65%
94th percentile
Non-interest income ratio
17.06%
37th percentile

Capital & Risk

Net worth ratio
10.14%
37th percentile
Delinquency rate
0.51%
70th percentile
Net charge-off rate
0.07%
92th percentile
Loan-to-share
85.62%
63th percentile

Growth

Member growth YoY
6.61%
93th percentile
Asset growth YoY
15.41%
96th percentile
Loan growth YoY
10.86%
84th percentile
Share growth YoY
15.36%
97th percentile

Operations

Members / branch
3,452
24th percentile
Assets / member
$14,715
37th percentile
Field of membership penetration
2.01%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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