| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -4.3% | +0.9% | -5.2 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.3 pts |
| ROA | 0.18% | 0.65% | -0.5 pts |
| ROE | 1.3% | 4.4% | -3.1 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.4M | $9.8M | $6.6M | $1.6M | $10K | 0.18% | 2.64% | 0.30% | 1,374 |
| Q1 2026 | $11.9M | $10.3M | $6.4M | $1.6M | $12K | 0.40% | 2.75% | 0.57% | 1,386 |
| Q4 2025 | $11.6M | $10.1M | $6.5M | $1.5M | $7K | 0.06% | 2.61% | 0.62% | 1,398 |
| Q3 2025 | $12.0M | $10.5M | $6.6M | $1.6M | $18K | 0.20% | 2.54% | 0.68% | 1,396 |
| Q2 2025 | $11.8M | $10.2M | $6.4M | $1.6M | $3K | 0.05% | 2.41% | 0.80% | 1,392 |
| Q1 2025 | $11.9M | $10.4M | $5.7M | $1.5M | $4K | 0.13% | 2.34% | 0.93% | 1,400 |
| Q4 2024 | $11.5M | $10.0M | $5.9M | $1.5M | $-7K | -0.06% | 2.53% | 0.92% | 1,408 |
| Q3 2024 | $10.7M | $9.2M | $6.1M | $1.5M | $-9K | -0.11% | 2.89% | 1.28% | 1,423 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.3M | $8.7M | $6.1M | $1.5M | $-15K | -0.30% | 2.93% | 1.00% | 1,647 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.6M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.2% | 80.6% | 86th |
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: McKean, PA, ranked 9th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McKean, PA | 1 | $9.8M* | 0.91% | 9th |
Pennsylvania: 367th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1