| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +6.1% | +0.9% | +5.1 pts |
| Loan growth (YoY) | +6.9% | -2.6% | +9.5 pts |
| ROA | 1.33% | 0.65% | +0.7 pts |
| ROE | 10.5% | 4.4% | +6.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.4M | $23.8M | $12.6M | $3.5M | $182K | 1.33% | 4.38% | 0.59% | 2,856 |
| Q1 2026 | $27.2M | $23.8M | $12.5M | $3.4M | $83K | 1.23% | 4.28% | 0.83% | 2,867 |
| Q4 2025 | $26.5M | $23.2M | $12.6M | $3.3M | $340K | 1.28% | 4.13% | 1.14% | 2,862 |
| Q3 2025 | $25.9M | $22.6M | $12.3M | $3.2M | $259K | 1.33% | 4.11% | 1.14% | 2,871 |
| Q2 2025 | $25.6M | $22.5M | $11.8M | $3.1M | $145K | 1.13% | 3.99% | 0.88% | 2,892 |
| Q1 2025 | $25.5M | $22.4M | $11.4M | $3.1M | $378K | 5.93% | 3.87% | 0.00% | 2,895 |
| Q4 2024 | $25.0M | $22.0M | $11.7M | $3.0M | $264K | 1.06% | 4.06% | 0.69% | 2,913 |
| Q3 2024 | $24.8M | $21.9M | $11.8M | $2.9M | $231K | 1.24% | 4.02% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,913 |
| Q2 2024 | $25.8M | $23.0M | $12.0M | $2.8M | $38K | 0.30% | 3.78% | 0.69% | 2,924 |
Loan mix (Q2 2026): real estate $2.4M · commercial $0 · consumer $9.0M · securities $11.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 80.6% | 28th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Crawford, PA, ranked 11th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, PA | 1 | $23.8M* | 1.28% | 11th |
Pennsylvania: 319th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 1 · 2025 1 · 2026 1