Pear Orchard

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

$891.9K

6^th percentile

Members

315

11^th percentile

Total loans

$415.6K

8^th percentile

Total shares

$678.3K

7^th percentile

Profitability

Return on assets

0.59%

40^th percentile

Net interest margin

3.91%

47^th percentile

Efficiency ratio

78.95%

26^th percentile

Non-interest income ratio

6.18%

38^th percentile

Capital & Risk

Net worth ratio

23.71%

84^th percentile

Delinquency rate

32.40%

0^th percentile

Net charge-off rate

0.63%

27^th percentile

Loan-to-share

61.27%

51^th percentile

Growth

Member growth YoY

0.32%

71^th percentile

Asset growth YoY

-7.75%

9^th percentile

Loan growth YoY

-29.31%

2^th percentile

Share growth YoY

-10.41%

7^th percentile

Operations

Members / branch

315

14^th percentile

Assets / member

$2,831

6^th percentile

Field of membership penetration

9.89%

23^th percentile

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