York Educational

York, PA · 1 · Charter #19429 · www.yefcu.org
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
$44.6M
95th percentile
Members
3,759
92th percentile
Total loans
$19.7M
88th percentile
Total shares
$39.9M
97th percentile

Profitability

Return on assets
1.01%
60th percentile
Net interest margin
3.05%
21th percentile
Efficiency ratio
65.85%
52th percentile
Non-interest income ratio
24.84%
90th percentile

Capital & Risk

Net worth ratio
10.10%
16th percentile
Delinquency rate
0.13%
75th percentile
Net charge-off rate
0.29%
44th percentile
Loan-to-share
49.40%
34th percentile

Growth

Member growth YoY
40.73%
99th percentile
Asset growth YoY
5.98%
79th percentile
Loan growth YoY
17.33%
95th percentile
Share growth YoY
7.70%
86th percentile

Operations

Members / branch
940
44th percentile
Assets / member
$11,878
70th percentile
Field of membership penetration
24.13%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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