| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -10.7% | +0.7% | -11.3 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.5 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.7M | $663K | $233K | $1.0M | $1K | 0.32% | 2.71% | 0.00% | 124 |
| Q4 2025 | $1.7M | $684K | $248K | $1.0M | $5K | 0.28% | 2.64% | 0.00% | 128 |
| Q3 2025 | $1.7M | $692K | $268K | $1.0M | $4K | 0.31% | 2.67% | 0.00% | 130 |
| Q2 2025 | $1.8M | $739K | $283K | $1.0M | $2K | 0.22% | 2.54% | 0.00% | 133 |
| Q1 2025 | $1.8M | $743K | $239K | $1.0M | $312 | 0.07% | 2.46% | 0.00% | 134 |
| Q4 2024 | $1.8M | $752K | $232K | $1.0M | $6K | 0.33% | 2.57% | 0.00% | 135 |
| Q3 2024 | $1.8M | $826K | $194K | $1.0M | $4K | 0.27% | 2.44% | 0.00% | 137 |
| Q2 2024 | $1.9M | $837K | $174K | $1.0M | $1K | 0.13% | 2.32% | 3.27% | 141 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $224K · securities $1.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 81.5% | 66th |
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 2024). Biggest market: Berks, PA, ranked 29th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berks, PA | 1 | $739K* | 0.00% | 29th |
Pennsylvania: 441st with 0.00% · Reading metro: 29th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1