Pace

Huntington, WV · 1 · Charter #11323 · www.pacefederal.com
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
$8.6M
38th percentile
Members
1,200
43th percentile
Total loans
$4.6M
41th percentile
Total shares
$7.5M
39th percentile

Profitability

Return on assets
0.25%
25th percentile
Net interest margin
4.26%
61th percentile
Efficiency ratio
85.43%
17th percentile
Non-interest income ratio
8.70%
48th percentile

Capital & Risk

Net worth ratio
12.89%
36th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.15%
96th percentile
Loan-to-share
61.64%
51th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
-0.27%
39th percentile
Loan growth YoY
-8.27%
29th percentile
Share growth YoY
-0.39%
44th percentile

Operations

Members / branch
1,200
54th percentile
Assets / member
$7,175
32th percentile
Field of membership penetration
40.00%
54th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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