| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +1.3% | -2.3 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.0 pts |
| Loan growth (YoY) | +22.5% | -2.6% | +25.1 pts |
| ROA | 1.80% | 0.65% | +1.2 pts |
| ROE | 7.9% | 4.4% | +3.5 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.1M | $842K | $975K | $250K | $10K | 1.80% | 5.31% | 0.12% | 265 |
| Q1 2026 | $1.1M | $845K | $922K | $245K | $6K | 2.06% | 5.18% | 1.27% | 263 |
| Q4 2025 | $1.1M | $855K | $951K | $240K | $14K | 1.26% | 4.70% | 0.14% | 263 |
| Q3 2025 | $1.1M | $877K | $934K | $235K | $9K | 1.07% | 4.32% | 0.17% | 267 |
| Q2 2025 | $1.1M | $869K | $796K | $233K | $7K | 1.26% | 4.53% | 0.23% | 268 |
| Q1 2025 | $1.1M | $820K | $858K | $229K | $3K | 1.08% | 4.46% | 1.42% | 269 |
| Q4 2024 | $1.0M | $800K | $850K | $226K | $9K | 0.88% | 4.47% | 2.80% | 270 |
| Q3 2024 | $1.0M | $797K | $852K | $223K | $6K | 0.78% | 4.36% | 3.16% | 271 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.0M |
| $781K |
| $886K |
| $221K |
| $4K |
| 0.77% |
| 4.40% |
| 0.80% |
| 272 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $911K · securities $64K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 80.6% | 20th |
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 10th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McKean, PA | 1 | $842K* | 0.08% | 10th |
Pennsylvania: 433rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1