Peoples Transport

MOUNT EPHRAIM, NJ · 1 · Charter #12956 · www.Peoplestransportfcu.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
$11.8M
46th percentile
Members
1,609
55th percentile
Total loans
$6.7M
53th percentile
Total shares
$10.5M
49th percentile

Profitability

Return on assets
-0.66%
7th percentile
Net interest margin
3.05%
21th percentile
Efficiency ratio
68.51%
46th percentile
Non-interest income ratio
4.73%
33th percentile

Capital & Risk

Net worth ratio
10.82%
21th percentile
Delinquency rate
1.31%
35th percentile
Net charge-off rate
1.13%
14th percentile
Loan-to-share
63.60%
54th percentile

Growth

Member growth YoY
19.45%
98th percentile
Asset growth YoY
8.67%
89th percentile
Loan growth YoY
9.26%
88th percentile
Share growth YoY
10.17%
91th percentile

Operations

Members / branch
1,609
68th percentile
Assets / member
$7,309
33th percentile
Field of membership penetration
80.45%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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