| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +5.0% | +0.9% | +4.1 pts |
| Loan growth (YoY) | -14.2% | -2.6% | -11.6 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 9.3% | 4.4% | +4.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.7M | $35.9M | $8.4M | $3.7M | $173K | 0.87% | 2.63% | 5.02% | 2,177 |
| Q1 2026 | $39.1M | $35.4M | $8.9M | $3.6M | $102K | 1.04% | 2.56% | 4.15% | 2,201 |
| Q4 2025 | $38.1M | $34.5M | $9.2M | $3.5M | $219K | 0.58% | 2.58% | 3.01% | 2,218 |
| Q3 2025 | $37.5M | $34.0M | $9.4M | $3.6M | $186K | 0.66% | 2.55% | 2.57% | 2,233 |
| Q2 2025 | $37.7M | $34.2M | $9.8M | $3.5M | $93K | 0.49% | 2.51% | 2.72% | 2,253 |
| Q1 2025 | $36.3M | $32.9M | $10.1M | $3.5M | $47K | 0.52% | 2.64% | 2.77% | 2,268 |
| Q4 2024 | $35.9M | $32.5M | $10.4M | $3.4M | $62K | 0.17% | 2.37% | 2.41% | 2,310 |
| Q3 2024 | $35.6M | $32.2M | $10.7M | $3.5M | $36K | 0.14% | 2.39% | 0.14% |
| Ratio | Bva Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,320 |
| Q2 2024 | $36.1M | $32.8M | $11.0M | $3.5M | $3K | 0.02% | 2.38% | 0.97% | 2,327 |
Loan mix (Q2 2026): real estate $5.2M · commercial $0 · consumer $2.9M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 80.6% | 60th |
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 | Bva Federal Credit Union | 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 | Bva Federal Credit Union | 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 | Bva Federal Credit Union | 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 | Bva Federal Credit Union | 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 | Bva Federal Credit Union | 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: Westmoreland, PA, ranked 27th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 1 | $35.9M* | 0.31% | 27th |
Pennsylvania: 293rd with 0.01% · Pittsburgh metro: 82nd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1