American Heritage

Philadelphia, PA · 1 · Charter #5621 · www.americanheritagecu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.2B
87th percentile
Members
327,568
90th percentile
Total loans
$3.6B
85th percentile
Total shares
$4.3B
85th percentile

Profitability

Return on assets
0.80%
36th percentile
Net interest margin
2.81%
26th percentile
Efficiency ratio
45.57%
74th percentile
Non-interest income ratio
18.88%
52th percentile

Capital & Risk

Net worth ratio
8.34%
6th percentile
Delinquency rate
1.11%
22th percentile
Net charge-off rate
0.67%
29th percentile
Loan-to-share
85.06%
39th percentile

Growth

Member growth YoY
2.94%
57th percentile
Asset growth YoY
3.60%
30th percentile
Loan growth YoY
1.95%
29th percentile
Share growth YoY
10.68%
85th percentile

Operations

Members / branch
8,620
60th percentile
Assets / member
$16,000
30th percentile
Field of membership penetration
17.11%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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