Valley Pride

Kingston, PA · 1 · Charter #23467
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
$6.2M
30th percentile
Members
607
21th percentile
Total loans
$1.9M
22th percentile
Total shares
$5.1M
31th percentile

Profitability

Return on assets
1.02%
60th percentile
Net interest margin
4.14%
57th percentile
Efficiency ratio
67.58%
48th percentile
Non-interest income ratio
3.82%
28th percentile

Capital & Risk

Net worth ratio
17.44%
64th percentile
Delinquency rate
3.20%
14th percentile
Net charge-off rate
0.48%
34th percentile
Loan-to-share
37.50%
19th percentile

Growth

Member growth YoY
-0.33%
63th percentile
Asset growth YoY
0.49%
45th percentile
Loan growth YoY
-6.58%
35th percentile
Share growth YoY
-0.66%
42th percentile

Operations

Members / branch
607
28th percentile
Assets / member
$10,177
57th percentile
Field of membership penetration
24.28%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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