P C

PORT ALLEGANY, PA · 1 · Charter #10704 · www.pcfederalcu.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
$14.0M
51th percentile
Members
1,409
50th percentile
Total loans
$10.6M
68th percentile
Total shares
$8.4M
43th percentile

Profitability

Return on assets
0.72%
45th percentile
Net interest margin
3.26%
26th percentile
Efficiency ratio
51.06%
81th percentile
Non-interest income ratio
10.19%
53th percentile

Capital & Risk

Net worth ratio
12.68%
35th percentile
Delinquency rate
2.14%
23th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
125.62%
98th percentile

Growth

Member growth YoY
-0.84%
56th percentile
Asset growth YoY
6.14%
80th percentile
Loan growth YoY
0.66%
65th percentile
Share growth YoY
2.18%
59th percentile

Operations

Members / branch
705
33th percentile
Assets / member
$9,932
55th percentile
Field of membership penetration
42.12%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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