| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +3.9% | +8.2 pts |
| Share growth (YoY) | +16.6% | +3.3% | +13.3 pts |
| Loan growth (YoY) | +11.9% | +2.9% | +9.0 pts |
| ROA | 0.39% | 0.69% | -0.3 pts |
| ROE | 2.6% | 5.9% | -3.4 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $224.1M | $188.9M | $148.2M | $33.8M | $216K | 0.39% | 4.37% | 0.77% | 15,454 |
| Q4 2025 | $218.3M | $183.4M | $145.3M | $33.6M | $1.1M | 0.50% | 3.89% | 0.58% | 15,582 |
| Q3 2025 | $218.2M | $182.1M | $143.3M | $34.4M | $765K | 0.47% | 3.70% | 0.71% | 15,680 |
| Q2 2025 | $198.1M | $159.4M | $132.7M | $29.2M | $456K | 0.46% | 3.87% | 0.47% | 13,589 |
| Q1 2025 | $200.0M | $161.9M | $132.4M | $29.0M | $223K | 0.45% | 3.74% | 0.52% | 13,572 |
| Q4 2024 | $199.4M | $155.3M | $131.2M | $28.8M | $1.6M | 0.79% | 4.09% | 0.39% | 13,779 |
| Q3 2024 | $201.7M | $157.0M | $138.7M | $28.7M | $1.2M | 0.79% | 4.06% | 0.73% | 13,856 |
| Q2 2024 | $201.5M | $156.6M | $139.9M | $28.3M | $799K | 0.79% | 4.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.69% | — | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 5.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.62% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 13,957 |
Loan mix (Q1 2026): real estate $67.7M · commercial $28.8M · consumer $48.9M · securities $18.1M
| 78.7% |
| — |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Washington, PA, ranked 17th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, PA | 3 | $119.5M* | 1.55% | 17th |
| Allegheny, PA | 1 | $39.8M* | 0.02% | 38th |
Pennsylvania: 172nd with 0.03% · Pittsburgh metro: 40th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4