| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +0.8% | +0.9% | -0.1 pts |
| Loan growth (YoY) | -1.4% | -2.6% | +1.2 pts |
| ROA | 0.69% | 0.65% | +0.0 pts |
| ROE | 4.1% | 4.4% | -0.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.1M | $12.4M | $5.9M | $2.5M | $52K | 0.69% | 3.49% | 1.45% | 1,129 |
| Q1 2026 | $15.0M | $12.4M | $5.9M | $2.5M | $25K | 0.66% | 3.46% | 1.65% | 1,135 |
| Q4 2025 | $14.8M | $12.2M | $6.0M | $2.5M | $102K | 0.69% | 3.33% | 1.08% | 1,157 |
| Q3 2025 | $15.0M | $12.4M | $6.0M | $2.5M | $85K | 0.76% | 3.39% | 0.00% | 1,163 |
| Q2 2025 | $14.9M | $12.3M | $6.0M | $2.4M | $53K | 0.72% | 3.38% | 1.36% | 1,173 |
| Q1 2025 | $15.3M | $12.8M | $5.9M | $2.4M | $71K | 1.86% | 4.46% | 0.02% | 1,171 |
| Q4 2024 | $15.1M | $12.6M | $6.0M | $2.4M | $96K | 0.64% | 2.96% | 0.89% | 1,180 |
| Q3 2024 | $15.2M | $12.8M | $5.8M | $2.4M | $79K | 0.69% | 2.90% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.65% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,177 |
| Q2 2024 | $15.4M | $13.0M | $5.7M | $2.3M | $42K | 0.54% | 2.81% | 0.44% | 1,185 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $3.1M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 80.6% | 50th |
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: Beaver, PA, ranked 18th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaver, PA | 1 | $12.4M* | 0.32% | 18th |
Pennsylvania: 357th with 0.00% · Pittsburgh metro: 109th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1