Citadel

EXTON, PA · 1 · Charter #2099 · www.citadelbanking.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.6B
92th percentile
Members
285,351
86th percentile
Total loans
$5.9B
95th percentile
Total shares
$5.5B
92th percentile

Profitability

Return on assets
0.73%
31th percentile
Net interest margin
2.49%
12th percentile
Efficiency ratio
40.10%
88th percentile
Non-interest income ratio
13.65%
19th percentile

Capital & Risk

Net worth ratio
9.42%
20th percentile
Delinquency rate
0.33%
87th percentile
Net charge-off rate
0.40%
63th percentile
Loan-to-share
106.04%
91th percentile

Growth

Member growth YoY
7.38%
88th percentile
Asset growth YoY
7.38%
64th percentile
Loan growth YoY
9.14%
74th percentile
Share growth YoY
10.39%
84th percentile

Operations

Members / branch
11,890
84th percentile
Assets / member
$23,189
83th percentile
Field of membership penetration
6.63%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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