| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.7% | +0.9% | -0.2 pts |
| Loan growth (YoY) | -12.6% | -2.6% | -9.9 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 2.0% | 4.4% | -2.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.8M | $3.2M | $1.7M | $1.6M | $16K | 0.68% | 3.22% | 0.09% | 475 |
| Q1 2026 | $5.0M | $3.4M | $1.7M | $1.6M | $9K | 0.70% | 3.06% | 0.09% | 475 |
| Q4 2025 | $4.8M | $3.2M | $1.8M | $1.6M | $36K | 0.74% | 3.26% | 1.00% | 473 |
| Q3 2025 | $4.8M | $3.2M | $1.9M | $1.6M | $24K | 0.66% | 3.25% | 0.19% | 475 |
| Q2 2025 | $4.8M | $3.2M | $2.0M | $1.6M | $15K | 0.64% | 3.20% | 0.21% | 468 |
| Q1 2025 | $4.7M | $3.1M | $2.0M | $1.6M | $6K | 0.52% | 3.12% | 2.83% | 474 |
| Q4 2024 | $4.7M | $3.1M | $2.1M | $1.6M | $28K | 0.60% | 3.11% | 1.86% | 462 |
| Q3 2024 | $4.9M | $3.3M | $2.2M | $1.6M | $23K | 0.61% | 2.97% | 1.72% | 462 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.1M |
| $3.5M |
| $2.2M |
| $1.6M |
| $13K |
| 0.50% |
| 2.80% |
| 1.86% |
| 460 |
Loan mix (Q2 2026): real estate $313K · commercial $0 · consumer $1.3M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 80.6% | 47th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Allegheny, PA, ranked 71st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 3 | $3.2M* | 0.00% | 71st |
Pennsylvania: 412th with 0.00% · Pittsburgh metro: 136th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 3 · 2024 3 · 2025 3 · 2026 3