| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.0% | +1.3% | -12.3 pts |
| Share growth (YoY) | -14.2% | +0.7% | -14.9 pts |
| Loan growth (YoY) | -39.8% | -2.4% | -37.4 pts |
| ROA | 0.61% | 0.60% | +0.0 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.7M | $1.3M | $226K | $367K | $3K | 0.61% | 1.92% | 0.00% | 175 |
| Q4 2025 | $1.7M | $1.3M | $265K | $364K | $6K | 0.34% | 1.87% | 0.00% | 182 |
| Q3 2025 | $1.7M | $1.4M | $307K | $368K | $9K | 0.73% | 2.15% | 0.00% | 184 |
| Q2 2025 | $1.8M | $1.4M | $342K | $366K | $7K | 0.81% | 2.11% | 0.00% | 191 |
| Q1 2025 | $1.9M | $1.5M | $374K | $362K | $3K | 0.72% | 1.90% | 0.04% | 198 |
| Q4 2024 | $1.9M | $1.6M | $476K | $359K | $4K | 0.21% | 1.52% | 0.13% | 204 |
| Q3 2024 | $2.0M | $1.7M | $535K | $360K | $5K | 0.35% | 1.48% | 0.18% | 211 |
| Q2 2024 | $2.2M | $1.9M | $552K | $358K | $3K | 0.28% | 1.28% | 0.25% | 215 |
Loan mix (Q1 2026): real estate $172K · commercial $0 · consumer $45K · securities $1.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 81.5% | 25th |
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 2022). Biggest market: Northampton, PA, ranked 26th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Northampton, PA | 1 | $1.3M* | 0.02% | 26th |
Pennsylvania: 424th with 0.00% · Allentown-Bethlehem-Easton metro: 47th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1