North Little Ro, AR · 1 · Charter #24940 · www.ptcfcu.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
$2.7M
15th percentile
Members
1,805
61th percentile
Total loans
$1.1M
15th percentile
Total shares
$1.3M
11th percentile

Profitability

Return on assets
-35.04%
0th percentile
Net interest margin
2.71%
12th percentile
Efficiency ratio
248.54%
1th percentile
Non-interest income ratio
64.70%
99th percentile

Capital & Risk

Net worth ratio
-20.90%
0th percentile
Delinquency rate
15.96%
1th percentile
Net charge-off rate
14.35%
0th percentile
Loan-to-share
81.26%
78th percentile

Growth

Member growth YoY
58.75%
100th percentile
Asset growth YoY
-45.00%
0th percentile
Loan growth YoY
82.01%
99th percentile
Share growth YoY
-22.83%
1th percentile

Operations

Members / branch
1,805
74th percentile
Assets / member
$1,468
2th percentile
Field of membership penetration
0.36%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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