| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +3.9% | +5.7 pts |
| Share growth (YoY) | +8.9% | +3.3% | +5.6 pts |
| Loan growth (YoY) | +0.9% | +2.9% | -2.1 pts |
| ROA | 1.74% | 0.69% | +1.0 pts |
| ROE | 10.7% | 5.9% | +4.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $148.3M | $124.0M | $93.9M | $24.2M | $643K | 1.74% | 3.98% | 1.06% | 7,774 |
| Q4 2025 | $144.1M | $120.4M | $95.3M | $23.5M | $3.0M | 2.08% | 4.07% | 0.94% | 7,743 |
| Q3 2025 | $137.9M | $114.9M | $94.3M | $22.9M | $2.4M | 2.30% | 4.17% | 0.44% | 7,720 |
| Q2 2025 | $138.1M | $115.9M | $92.9M | $22.1M | $1.6M | 2.30% | 4.07% | 0.41% | 7,820 |
| Q1 2025 | $135.3M | $113.9M | $93.1M | $21.2M | $732K | 2.16% | 4.00% | 0.65% | 7,835 |
| Q4 2024 | $114.1M | $94.6M | $87.1M | $19.5M | $2.5M | 2.20% | 4.28% | 0.54% | 6,111 |
| Q3 2024 | $114.7M | $95.7M | $86.1M | $18.9M | $2.0M | 2.28% | 4.18% | 1.01% | 6,081 |
| Q2 2024 | $110.8M | $92.5M | $85.6M | $18.2M | $1.2M | 2.21% | 4.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.69% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 6,040 |
Loan mix (Q1 2026): real estate $39.1M · commercial $2.8M · consumer $51.6M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 78.7% | 6th |
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.
6 branches in 3 counties across 1 state (+2 vs 2024). Biggest market: Luzerne, PA, ranked 17th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Luzerne, PA | 4 | $77.3M* | 0.93% | 17th |
| Lackawanna, PA | 1 | $19.3M* | 0.22% | 20th |
| Wyoming, PA | 1 | $19.3M* | 2.09% | 8th |
Pennsylvania: 201st with 0.02% · Scranton--Wilkes-Barre metro: 24th, 0.65% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 3 · 2024 4 · 2025 6