Kinzua

Warren, PA · 1 · Charter #11391 · www.kinzuafcu.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
$15.6M
54th percentile
Members
1,798
61th percentile
Total loans
$4.2M
39th percentile
Total shares
$13.2M
55th percentile

Profitability

Return on assets
0.88%
53th percentile
Net interest margin
4.00%
51th percentile
Efficiency ratio
80.57%
22th percentile
Non-interest income ratio
21.30%
85th percentile

Capital & Risk

Net worth ratio
15.34%
52th percentile
Delinquency rate
0.14%
74th percentile
Net charge-off rate
0.74%
23th percentile
Loan-to-share
32.07%
14th percentile

Growth

Member growth YoY
7.86%
96th percentile
Asset growth YoY
2.82%
61th percentile
Loan growth YoY
-14.17%
13th percentile
Share growth YoY
2.56%
61th percentile

Operations

Members / branch
599
27th percentile
Assets / member
$8,702
46th percentile
Field of membership penetration
44.95%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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