| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.1% | +1.3% | -10.4 pts |
| Share growth (YoY) | -2.9% | +0.9% | -3.8 pts |
| Loan growth (YoY) | -0.1% | -2.6% | +2.5 pts |
| ROA | 1.87% | 0.65% | +1.2 pts |
| ROE | 9.0% | 4.4% | +4.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.2M | $6.4M | $4.9M | $1.7M | $77K | 1.87% | 4.18% | 0.18% | 843 |
| Q1 2026 | $9.0M | $7.3M | $4.9M | $1.7M | $40K | 1.78% | 3.77% | 0.43% | 852 |
| Q4 2025 | $8.7M | $7.1M | $4.8M | $1.6M | $178K | 2.04% | 4.25% | 0.55% | 855 |
| Q3 2025 | $8.6M | $6.8M | $4.9M | $1.6M | $140K | 2.18% | 4.48% | 0.48% | 877 |
| Q2 2025 | $9.0M | $6.6M | $4.9M | $1.6M | $101K | 2.23% | 4.20% | 1.09% | 874 |
| Q1 2025 | $8.5M | $7.0M | $4.8M | $1.5M | $50K | 2.35% | 4.49% | 0.42% | 871 |
| Q4 2024 | $8.2M | $6.8M | $4.7M | $1.5M | $182K | 2.21% | 4.45% | 0.46% | 869 |
| Q3 2024 | $8.1M | $6.6M | $4.7M | $1.4M | $135K | 2.23% | 4.49% | 0.48% | 868 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.87% | 0.65% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.4M | $7.0M | $4.8M | $1.4M | $86K | 2.05% | 4.30% | 0.46% | 866 |
Loan mix (Q2 2026): real estate $714K · commercial $0 · consumer $3.6M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 80.6% | 8th |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Fayette, PA, ranked 17th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, PA | 1 | $3.2M* | 0.11% | 17th |
| Kent, MI | 1 | $3.2M* | 0.01% | 72nd |
Michigan: 303rd with 0.00% · Pennsylvania: 411th with 0.00% · Grand Rapids-Wyoming-Kentwood metro: 85th, 0.01% · Pittsburgh metro: 135th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2