Puget Sound Refinery

Anacortes, WA · 1 · Charter #9145 · www.psrfcu.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
$17.9M
59th percentile
Members
1,117
40th percentile
Total loans
$10.5M
67th percentile
Total shares
$15.1M
59th percentile

Profitability

Return on assets
0.99%
58th percentile
Net interest margin
3.68%
39th percentile
Efficiency ratio
53.02%
78th percentile
Non-interest income ratio
4.93%
34th percentile

Capital & Risk

Net worth ratio
14.85%
50th percentile
Delinquency rate
1.92%
25th percentile
Net charge-off rate
0.09%
63th percentile
Loan-to-share
69.37%
62th percentile

Growth

Member growth YoY
-2.02%
44th percentile
Asset growth YoY
3.05%
63th percentile
Loan growth YoY
-16.84%
9th percentile
Share growth YoY
3.69%
68th percentile

Operations

Members / branch
559
26th percentile
Assets / member
$15,987
88th percentile
Field of membership penetration
74.47%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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