B I

Sewickley, PA · 1 · Charter #6240 · www.bifcu.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
$3.1M
17th percentile
Members
310
10th percentile
Total loans
$617.1K
11th percentile
Total shares
$2.0M
15th percentile

Profitability

Return on assets
0.43%
32th percentile
Net interest margin
3.54%
34th percentile
Efficiency ratio
87.06%
15th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
36.48%
96th percentile
Delinquency rate
5.27%
7th percentile
Net charge-off rate
-1.02%
99th percentile
Loan-to-share
31.63%
13th percentile

Growth

Member growth YoY
-4.32%
21th percentile
Asset growth YoY
-3.75%
21th percentile
Loan growth YoY
-28.60%
2th percentile
Share growth YoY
-6.61%
15th percentile

Operations

Members / branch
310
14th percentile
Assets / member
$9,921
55th percentile
Field of membership penetration
15.50%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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