Profinance

Merrillville, IN · 1 · Charter #2711 · www.profinancefcu.com
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
$14.4M
52th percentile
Members
1,395
49th percentile
Total loans
$6.6M
52th percentile
Total shares
$10.4M
48th percentile

Profitability

Return on assets
0.43%
32th percentile
Net interest margin
3.90%
47th percentile
Efficiency ratio
83.55%
19th percentile
Non-interest income ratio
21.28%
85th percentile

Capital & Risk

Net worth ratio
20.66%
76th percentile
Delinquency rate
0.42%
61th percentile
Net charge-off rate
0.61%
28th percentile
Loan-to-share
63.76%
54th percentile

Growth

Member growth YoY
-3.19%
31th percentile
Asset growth YoY
0.25%
43th percentile
Loan growth YoY
0.52%
64th percentile
Share growth YoY
-1.70%
36th percentile

Operations

Members / branch
1,395
61th percentile
Assets / member
$10,348
59th percentile
Field of membership penetration
0.64%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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