Pinellas

Largo, FL · 1 · Charter #10880 · www.pinellasfcu.org
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
$171.6M
80th percentile
Members
11,003
74th percentile
Total loans
$102.3M
77th percentile
Total shares
$149.3M
81th percentile

Profitability

Return on assets
0.84%
37th percentile
Net interest margin
3.20%
26th percentile
Efficiency ratio
64.80%
43th percentile
Non-interest income ratio
18.37%
56th percentile

Capital & Risk

Net worth ratio
12.73%
57th percentile
Delinquency rate
0.49%
65th percentile
Net charge-off rate
0.22%
64th percentile
Loan-to-share
68.55%
51th percentile

Growth

Member growth YoY
-2.13%
32th percentile
Asset growth YoY
-1.57%
13th percentile
Loan growth YoY
9.71%
86th percentile
Share growth YoY
-2.19%
12th percentile

Operations

Members / branch
3,668
63th percentile
Assets / member
$15,600
59th percentile
Field of membership penetration
3.43%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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