Loyalty

Pensacola, FL · 2 · Charter #62417 · www.loyaltycu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$298.5M
15th percentile
Members
19,476
24th percentile
Total loans
$166.4M
10th percentile
Total shares
$261.5M
17th percentile

Profitability

Return on assets
1.46%
80th percentile
Net interest margin
4.48%
95th percentile
Efficiency ratio
68.39%
15th percentile
Non-interest income ratio
24.48%
79th percentile

Capital & Risk

Net worth ratio
11.19%
55th percentile
Delinquency rate
0.80%
41th percentile
Net charge-off rate
1.05%
10th percentile
Loan-to-share
63.61%
18th percentile

Growth

Member growth YoY
-5.42%
9th percentile
Asset growth YoY
3.34%
36th percentile
Loan growth YoY
5.80%
59th percentile
Share growth YoY
1.65%
24th percentile

Operations

Members / branch
2,435
8th percentile
Assets / member
$15,327
42th percentile
Field of membership penetration
0.87%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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