First Area

Lewistown, PA · 1 · Charter #14346 · www.firstareafcu.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
$30.2M
77th percentile
Members
2,670
79th percentile
Total loans
$5.0M
44th percentile
Total shares
$27.5M
80th percentile

Profitability

Return on assets
1.20%
68th percentile
Net interest margin
3.50%
33th percentile
Efficiency ratio
70.65%
41th percentile
Non-interest income ratio
20.82%
84th percentile

Capital & Risk

Net worth ratio
9.34%
12th percentile
Delinquency rate
0.05%
81th percentile
Net charge-off rate
0.10%
62th percentile
Loan-to-share
18.15%
4th percentile

Growth

Member growth YoY
-3.01%
33th percentile
Asset growth YoY
8.13%
88th percentile
Loan growth YoY
-11.08%
21th percentile
Share growth YoY
7.76%
87th percentile

Operations

Members / branch
2,670
88th percentile
Assets / member
$11,318
66th percentile
Field of membership penetration
6.68%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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