Penntech Employees

Johnsonburg, PA · 1 · Charter #13469 · www.penntechfcu.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
$12.5M
48th percentile
Members
1,308
47th percentile
Total loans
$5.0M
44th percentile
Total shares
$11.0M
50th percentile

Profitability

Return on assets
0.71%
45th percentile
Net interest margin
3.60%
36th percentile
Efficiency ratio
56.97%
72th percentile
Non-interest income ratio
0.80%
12th percentile

Capital & Risk

Net worth ratio
11.28%
25th percentile
Delinquency rate
2.67%
18th percentile
Net charge-off rate
0.65%
26th percentile
Loan-to-share
45.15%
28th percentile

Growth

Member growth YoY
-0.46%
62th percentile
Asset growth YoY
5.99%
80th percentile
Loan growth YoY
-6.60%
35th percentile
Share growth YoY
6.60%
83th percentile

Operations

Members / branch
1,308
58th percentile
Assets / member
$9,561
53th percentile
Field of membership penetration
5.23%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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