White Rose

York, PA · 2 · Charter #68296 · www.whiterosecu.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
$115.2M
55th percentile
Members
10,932
74th percentile
Total loans
$61.6M
52th percentile
Total shares
$104.6M
59th percentile

Profitability

Return on assets
0.88%
40th percentile
Net interest margin
4.16%
77th percentile
Efficiency ratio
74.79%
14th percentile
Non-interest income ratio
22.61%
76th percentile

Capital & Risk

Net worth ratio
8.68%
8th percentile
Delinquency rate
0.57%
60th percentile
Net charge-off rate
0.79%
16th percentile
Loan-to-share
58.87%
33th percentile

Growth

Member growth YoY
-2.97%
24th percentile
Asset growth YoY
0.86%
25th percentile
Loan growth YoY
-13.52%
2th percentile
Share growth YoY
0.46%
27th percentile

Operations

Members / branch
2,186
26th percentile
Assets / member
$10,536
17th percentile
Field of membership penetration
2.01%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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