Penlanco

Lancaster, PA · 1 · Charter #2834 · WWW.PENLANCOFCU.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
$27.4M
73th percentile
Members
1,716
58th percentile
Total loans
$16.8M
82th percentile
Total shares
$24.0M
75th percentile

Profitability

Return on assets
0.33%
28th percentile
Net interest margin
2.57%
9th percentile
Efficiency ratio
55.22%
75th percentile
Non-interest income ratio
4.86%
34th percentile

Capital & Risk

Net worth ratio
12.08%
31th percentile
Delinquency rate
0.38%
63th percentile
Net charge-off rate
0.16%
54th percentile
Loan-to-share
69.93%
63th percentile

Growth

Member growth YoY
1.96%
83th percentile
Asset growth YoY
7.76%
87th percentile
Loan growth YoY
1.14%
67th percentile
Share growth YoY
8.79%
89th percentile

Operations

Members / branch
1,716
71th percentile
Assets / member
$15,970
88th percentile
Field of membership penetration
18.55%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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