People First

Allentown, PA · 1 · Charter #6885 · www.peoplefirst.com
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
$998.7M
100th percentile
Members
75,518
98th percentile
Total loans
$668.9M
95th percentile
Total shares
$929.1M
100th percentile

Profitability

Return on assets
0.97%
50th percentile
Net interest margin
3.75%
70th percentile
Efficiency ratio
63.48%
31th percentile
Non-interest income ratio
19.13%
51th percentile

Capital & Risk

Net worth ratio
7.72%
3th percentile
Delinquency rate
1.11%
24th percentile
Net charge-off rate
0.61%
31th percentile
Loan-to-share
71.99%
30th percentile

Growth

Member growth YoY
0.78%
53th percentile
Asset growth YoY
8.11%
74th percentile
Loan growth YoY
11.40%
86th percentile
Share growth YoY
7.44%
75th percentile

Operations

Members / branch
8,391
89th percentile
Assets / member
$13,224
22th percentile
Field of membership penetration
7.71%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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