Southwest Communities

Carnegie, PA · 1 · Charter #3278 · www.swcfcu.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
$18.9M
60th percentile
Members
1,865
62th percentile
Total loans
$6.2M
50th percentile
Total shares
$17.0M
63th percentile

Profitability

Return on assets
0.64%
42th percentile
Net interest margin
3.81%
44th percentile
Efficiency ratio
77.29%
29th percentile
Non-interest income ratio
11.70%
58th percentile

Capital & Risk

Net worth ratio
10.07%
16th percentile
Delinquency rate
0.71%
50th percentile
Net charge-off rate
0.69%
25th percentile
Loan-to-share
36.61%
18th percentile

Growth

Member growth YoY
-2.76%
36th percentile
Asset growth YoY
2.15%
57th percentile
Loan growth YoY
-7.56%
32th percentile
Share growth YoY
1.87%
58th percentile

Operations

Members / branch
1,865
75th percentile
Assets / member
$10,137
57th percentile
Field of membership penetration
12.43%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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