| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +1.3% | -8.3 pts |
| Share growth (YoY) | -6.7% | +0.9% | -7.6 pts |
| Loan growth (YoY) | -20.1% | -2.6% | -17.5 pts |
| ROA | 0.37% | 0.65% | -0.3 pts |
| ROE | 2.4% | 4.4% | -2.0 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.8M | $10.0M | $3.7M | $1.8M | $22K | 0.37% | 4.62% | 0.06% | 1,273 |
| Q1 2026 | $12.1M | $10.3M | $4.1M | $1.8M | $40K | 1.33% | 5.16% | 0.00% | 1,276 |
| Q4 2025 | $13.0M | $10.8M | $4.4M | $1.8M | $41K | 0.32% | 3.45% | 0.03% | 1,280 |
| Q3 2025 | $13.2M | $11.1M | $4.6M | $1.8M | $12K | 0.12% | 3.34% | 0.45% | 1,293 |
| Q2 2025 | $12.7M | $10.8M | $4.7M | $1.8M | $13K | 0.21% | 3.37% | 0.04% | 1,291 |
| Q1 2025 | $12.6M | $10.8M | $4.4M | $1.8M | $26K | 0.82% | 3.26% | 0.00% | 1,294 |
| Q4 2024 | $12.0M | $10.3M | $4.2M | $1.8M | $60K | 0.50% | 3.51% | 0.00% | 1,333 |
| Q3 2024 | $11.9M | $10.2M | $4.4M | $1.7M | $9K | 0.10% | 3.51% | 0.00% | 1,340 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.9M | $10.2M | $4.6M | $1.7M | $-13K | -0.22% | 3.53% | 0.00% | 1,343 |
Loan mix (Q2 2026): real estate $770K · commercial $0 · consumer $2.9M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 80.6% | 56th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Allegheny, PA, ranked 61st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 2 | $10.0M* | 0.01% | 61st |
Pennsylvania: 366th with 0.00% · Pittsburgh metro: 117th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2