Patriot

CHAMBERSBURG, PA · 1 · Charter #16574 · www.patriotfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.3B
20th percentile
Members
81,278
29th percentile
Total loans
$954.4M
22th percentile
Total shares
$1.1B
26th percentile

Profitability

Return on assets
1.26%
69th percentile
Net interest margin
3.15%
46th percentile
Efficiency ratio
50.22%
56th percentile
Non-interest income ratio
19.43%
56th percentile

Capital & Risk

Net worth ratio
11.38%
62th percentile
Delinquency rate
0.35%
85th percentile
Net charge-off rate
0.36%
68th percentile
Loan-to-share
83.11%
35th percentile

Growth

Member growth YoY
2.42%
51th percentile
Asset growth YoY
11.64%
87th percentile
Loan growth YoY
8.05%
68th percentile
Share growth YoY
11.86%
87th percentile

Operations

Members / branch
6,773
40th percentile
Assets / member
$15,882
29th percentile
Field of membership penetration
10.43%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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