Polish-American

Troy, MI · 1 · Charter #22280 · www.mypafcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$182.6M
84th percentile
Members
7,384
48th percentile
Total loans
$124.3M
88th percentile
Total shares
$157.7M
85th percentile

Profitability

Return on assets
1.23%
63th percentile
Net interest margin
2.85%
13th percentile
Efficiency ratio
42.24%
93th percentile
Non-interest income ratio
7.90%
9th percentile

Capital & Risk

Net worth ratio
13.01%
60th percentile
Delinquency rate
2.17%
8th percentile
Net charge-off rate
0.03%
94th percentile
Loan-to-share
78.80%
69th percentile

Growth

Member growth YoY
1.74%
77th percentile
Asset growth YoY
6.09%
69th percentile
Loan growth YoY
8.34%
82th percentile
Share growth YoY
5.37%
67th percentile

Operations

Members / branch
3,692
63th percentile
Assets / member
$24,724
93th percentile
Field of membership penetration
73.84%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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