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Peru Central School

Peru, NY · Charter 15516

NCUA · 4 branches

Q3 2025

$57.5MAssets
$41.8MLoans
$53.0MShares
$4.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.32%, down 148 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 1.59% of loans (+75 bps YoY).
  • Capital: net worth / assets of 7.08%, down 111 bps from a year ago.
  • Funding: loans stand at 78.85% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.32%-148 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-4 bps YoY

Efficiency Ratio (YTD, annualized)

113.79%+2,637 bps YoY

Net Worth / Assets

7.08%-111 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.16%0.24%-0.49%-1.87%-1.32%-148 bps
Return on Equity1.96%2.90%-6.18%-26.02%-18.63%-2,058 bps
Net Interest Margin3.75%3.74%3.93%3.53%3.71%-4 bps
Efficiency Ratio87.42%85.75%94.91%121.15%113.79%+2,637 bps
Growth
Asset Growth (YoY)2.62%5.74%1.84%2.99%6.60%+398 bps
Loan Growth (YoY)4.13%4.98%4.01%5.91%3.11%-102 bps
Share Growth (YoY)3.03%5.24%1.74%3.59%6.43%+339 bps
Asset Quality
Delinquent Loans / Loans0.84%2.11%0.91%1.69%1.59%+75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.20%8.21%8.01%7.20%7.08%-111 bps
Net Worth / Assets8.20%8.21%8.01%7.20%7.08%-111 bps
Liquidity & Funding
Loans / Shares81.39%82.12%81.18%79.89%78.85%-254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps