| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -5.4% | +0.9% | -6.3 pts |
| Loan growth (YoY) | -5.8% | -2.6% | -3.2 pts |
| ROA | 1.30% | 0.65% | +0.7 pts |
| ROE | 5.8% | 4.4% | +1.4 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.6M | $18.3M | $8.7M | $5.3M | $153K | 1.30% | 3.63% | 0.00% | 2,233 |
| Q1 2026 | $23.8M | $18.6M | $9.0M | $5.2M | $68K | 1.15% | 3.62% | 0.00% | 2,248 |
| Q4 2025 | $23.6M | $18.5M | $9.3M | $5.1M | $327K | 1.38% | 3.84% | 0.00% | 2,232 |
| Q3 2025 | $23.5M | $18.4M | $9.5M | $5.1M | $295K | 1.68% | 3.91% | 0.00% | 2,269 |
| Q2 2025 | $24.4M | $19.4M | $9.2M | $5.0M | $219K | 1.80% | 3.82% | 0.00% | 2,287 |
| Q1 2025 | $24.0M | $19.2M | $9.0M | $4.9M | $109K | 1.81% | 3.70% | 0.00% | 2,308 |
| Q4 2024 | $22.7M | $17.9M | $9.1M | $4.8M | $303K | 1.33% | 3.62% | 0.31% | 2,313 |
| Q3 2024 | $22.7M | $18.0M | $9.2M | $4.7M | $236K | 1.38% | 3.54% | 0.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,337 |
| Q2 2024 | $23.3M | $18.6M | $8.7M | $4.6M | $147K | 1.26% | 3.35% | 0.46% | 2,362 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8.4M · securities $11.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 80.6% | 19th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Allegheny, PA, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 1 | $18.3M* | 0.01% | 53rd |
Pennsylvania: 334th with 0.00% · Pittsburgh metro: 99th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1