| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.8% | -2.5 pts |
| Share growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| ROA | 0.89% | 0.62% | +0.3 pts |
| ROE | 8.5% | 5.9% | +2.6 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $983.6M | $901.6M | $598.3M | $102.2M | $2.2M | 0.89% | 3.06% | 0.79% | 68,378 |
| Q4 2025 | $971.5M | $880.8M | $599.6M | $100.0M | $5.4M | 0.56% | 3.21% | 0.86% | 68,811 |
| Q3 2025 | $931.9M | $862.2M | $600.2M | $100.0M | $5.1M | 0.74% | 3.25% | 0.75% | 73,538 |
| Q2 2025 | $951.6M | $888.1M | $594.2M | $97.7M | $2.8M | 0.58% | 3.08% | 0.84% | 73,641 |
| Q1 2025 | $962.2M | $890.7M | $591.2M | $96.3M | $1.4M | 0.60% | 2.83% | 0.98% | 73,970 |
| Q4 2024 | $935.9M | $858.3M | $599.9M | $94.9M | $3.2M | 0.34% | 3.08% | 1.20% | 74,202 |
| Q3 2024 | $920.8M | $811.1M | $610.9M | $93.9M | $2.0M | 0.28% | 3.05% | 1.07% | 74,618 |
| Q2 2024 | $922.6M | $795.1M | $619.0M | $92.2M | $296K | 0.06% | 2.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.62% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.12% |
| 74,888 |
Loan mix (Q1 2026): real estate $283.3M · commercial $99.1M · consumer $203.1M · securities $144.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 78.3% | 55th |
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.
14 branches in 6 counties across 1 state (-2 vs 2024). Biggest market: Cumberland, PA, ranked 14th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cumberland, PA | 5 | $317.2M* | 2.17% | 14th |
| Lancaster, PA | 3 | $190.3M* | 0.90% | 19th |
| Dauphin, PA | 3 | $190.3M* | 1.90% | 13th |
| 3 more counties with Pro → | ||||
Pennsylvania: 72nd with 0.14% · Harrisburg-Carlisle metro: 13th, 1.98% · Lancaster metro: 19th, 0.90% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 15 · 2023 16 · 2024 16 · 2025 14