| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.9% | +1.3% | +18.6 pts |
| Share growth (YoY) | +20.3% | +0.9% | +19.4 pts |
| Loan growth (YoY) | +5.8% | -2.6% | +8.4 pts |
| ROA | 1.06% | 0.65% | +0.4 pts |
| ROE | 7.1% | 4.4% | +2.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.5M | $9.0M | $5.3M | $1.6M | $56K | 1.06% | 4.86% | 0.08% | 1,060 |
| Q1 2026 | $10.5M | $9.1M | $5.3M | $1.5M | $23K | 0.86% | 4.85% | 0.09% | 1,054 |
| Q4 2025 | $10.3M | $8.8M | $5.4M | $1.5M | $-142K | -1.38% | 4.01% | 0.10% | 1,061 |
| Q3 2025 | $8.9M | $7.7M | $5.1M | $1.2M | $-44K | -0.65% | 4.68% | 0.10% | 843 |
| Q2 2025 | $8.8M | $7.5M | $5.1M | $1.3M | $4K | 0.09% | 4.60% | 0.02% | 826 |
| Q1 2025 | $8.6M | $7.4M | $4.5M | $1.3M | $-12K | -0.54% | 4.50% | 0.03% | 802 |
| Q4 2024 | $8.5M | $7.3M | $4.6M | $1.3M | $29K | 0.34% | 4.48% | 0.04% | 783 |
| Q3 2024 | $8.8M | $7.3M | $4.6M | $1.2M | $16K | 0.25% | 4.34% | 0.01% | 771 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.65% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.4M | $7.2M | $4.5M | $1.2M | $8K | 0.20% | 4.41% | 0.07% | 752 |
Loan mix (Q2 2026): real estate $967K · commercial $0 · consumer $4.3M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 80.6% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Blair, PA, ranked 23rd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Blair, PA | 2 | $9.0M* | 0.20% | 23rd |
Pennsylvania: 371st with 0.00% · Altoona metro: 23rd, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2