| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +3.3% | +0.9% | +2.3 pts |
| Loan growth (YoY) | -26.6% | -2.6% | -24.0 pts |
| ROA | 0.74% | 0.65% | +0.1 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.3M | $41.7M | $7.3M | $5.5M | $174K | 0.74% | 2.89% | 0.65% | 3,032 |
| Q1 2026 | $47.5M | $42.0M | $7.8M | $5.5M | $83K | 0.70% | 2.76% | 0.26% | 3,076 |
| Q4 2025 | $46.7M | $41.3M | $8.6M | $5.4M | $339K | 0.72% | 2.59% | 1.19% | 3,120 |
| Q3 2025 | $46.1M | $40.8M | $9.2M | $5.2M | $190K | 0.55% | 2.51% | 0.44% | 3,153 |
| Q2 2025 | $45.5M | $40.4M | $10.0M | $5.1M | $69K | 0.30% | 2.43% | 0.33% | 3,208 |
| Q1 2025 | $45.9M | $40.8M | $11.0M | $5.1M | $22K | 0.19% | 2.29% | 0.41% | 3,257 |
| Q4 2024 | $43.8M | $38.7M | $12.1M | $5.0M | $446K | 1.02% | 1.48% | 0.55% | 3,329 |
| Q3 2024 | $43.6M | $38.6M | $13.0M | $5.0M | $412K | 1.26% | 1.24% | 0.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,383 |
| Q2 2024 | $44.0M | $39.0M | $14.0M | $5.0M | $350K | 1.59% | 0.68% | 0.25% | 3,424 |
Loan mix (Q2 2026): real estate $2.1M · commercial $0 · consumer $4.3M · securities $34.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 80.6% | 36th |
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 (+1 vs 2025). Biggest market: Erie, NY, ranked 51st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $20.8M* | 0.03% | 51st |
| Mercer, PA | 1 | $20.8M* | 0.66% | 14th |
Pennsylvania: 325th with 0.00% · New York: 353rd with 0.00% · Buffalo-Cheektowaga metro: 57th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2