N C P D

Plainview, NY · 1 · Charter #3850 · www.ncpdfcu.org/
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$903.7M
94th percentile
Members
16,337
13th percentile
Total loans
$333.8M
58th percentile
Total shares
$734.1M
92th percentile

Profitability

Return on assets
0.36%
12th percentile
Net interest margin
1.59%
0th percentile
Efficiency ratio
26.65%
100th percentile
Non-interest income ratio
3.00%
0th percentile

Capital & Risk

Net worth ratio
16.30%
95th percentile
Delinquency rate
0.30%
87th percentile
Net charge-off rate
0.02%
98th percentile
Loan-to-share
45.46%
3th percentile

Growth

Member growth YoY
-0.72%
35th percentile
Asset growth YoY
1.34%
20th percentile
Loan growth YoY
1.81%
37th percentile
Share growth YoY
-0.09%
13th percentile

Operations

Members / branch
16,337
98th percentile
Assets / member
$55,318
100th percentile
Field of membership penetration
96.10%
100th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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