Patent and Trademark Office

ALEXANDRIA, VA · 1 · Charter #4936 · www.ptofcu.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
$40.3M
90th percentile
Members
2,808
81th percentile
Total loans
$20.7M
90th percentile
Total shares
$37.3M
95th percentile

Profitability

Return on assets
0.66%
43th percentile
Net interest margin
3.67%
38th percentile
Efficiency ratio
83.44%
19th percentile
Non-interest income ratio
12.35%
61th percentile

Capital & Risk

Net worth ratio
7.33%
3th percentile
Delinquency rate
3.55%
12th percentile
Net charge-off rate
0.37%
40th percentile
Loan-to-share
55.42%
43th percentile

Growth

Member growth YoY
-0.11%
65th percentile
Asset growth YoY
-0.06%
41th percentile
Loan growth YoY
-10.48%
23th percentile
Share growth YoY
-0.75%
42th percentile

Operations

Members / branch
2,808
90th percentile
Assets / member
$14,344
83th percentile
Field of membership penetration
40.11%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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