Paac Transit Division

Pittsburgh, PA · 1 · Charter #3810 · www.paacfcu.com
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
$28.0M
75th percentile
Members
3,048
85th percentile
Total loans
$6.5M
51th percentile
Total shares
$23.0M
74th percentile

Profitability

Return on assets
1.01%
59th percentile
Net interest margin
2.62%
10th percentile
Efficiency ratio
34.70%
95th percentile
Non-interest income ratio
4.86%
33th percentile

Capital & Risk

Net worth ratio
17.72%
65th percentile
Delinquency rate
2.29%
21th percentile
Net charge-off rate
1.15%
14th percentile
Loan-to-share
28.16%
10th percentile

Growth

Member growth YoY
1.23%
79th percentile
Asset growth YoY
0.87%
48th percentile
Loan growth YoY
24.79%
97th percentile
Share growth YoY
0.33%
49th percentile

Operations

Members / branch
3,048
92th percentile
Assets / member
$9,201
50th percentile
Field of membership penetration
55.42%
72th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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