| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.4% | +0.9% | +3.4 pts |
| Loan growth (YoY) | +6.7% | -2.6% | +9.3 pts |
| ROA | 0.81% | 0.65% | +0.2 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.4M | $32.8M | $18.5M | $4.5M | $152K | 0.81% | 2.74% | 0.00% | 1,775 |
| Q1 2026 | $37.7M | $33.2M | $18.4M | $4.5M | $83K | 0.88% | 2.68% | 0.00% | 1,773 |
| Q4 2025 | $36.3M | $31.9M | $18.0M | $4.4M | $174K | 0.48% | 2.78% | 0.00% | 1,764 |
| Q3 2025 | $35.4M | $31.1M | $18.3M | $4.3M | $106K | 0.40% | 2.80% | 0.00% | 1,784 |
| Q2 2025 | $35.8M | $31.4M | $17.4M | $4.3M | $85K | 0.48% | 2.74% | 0.00% | 1,760 |
| Q1 2025 | $34.8M | $30.6M | $16.9M | $4.3M | $25K | 0.29% | 2.72% | 0.05% | 1,751 |
| Q4 2024 | $33.4M | $29.2M | $15.8M | $4.2M | $328K | 0.98% | 3.11% | 0.08% | 1,733 |
| Q3 2024 | $32.6M | $28.6M | $15.3M | $4.0M | $221K | 0.90% | 3.25% | 0.03% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,749 |
| Q2 2024 | $32.5M | $28.6M | $14.1M | $3.9M | $192K | 1.18% | 3.28% | 0.00% | 1,762 |
Loan mix (Q2 2026): real estate $12.3M · commercial $0 · consumer $6.2M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 80.6% | 46th |
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 1 state (+0 vs 2025). Biggest market: Montour, PA, ranked 9th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montour, PA | 1 | $16.4M* | 2.96% | 9th |
| Dauphin, PA | 1 | $16.4M* | 0.14% | 25th |
Pennsylvania: 301st with 0.01% · Harrisburg-Carlisle metro: 33rd, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2