| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -5.3% | +0.9% | -6.3 pts |
| Loan growth (YoY) | -7.5% | -2.6% | -4.9 pts |
| ROA | 0.31% | 0.65% | -0.3 pts |
| ROE | 1.4% | 4.4% | -3.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.3M | $6.5M | $2.7M | $1.8M | $13K | 0.31% | 3.00% | 2.11% | 733 |
| Q1 2026 | $9.0M | $7.2M | $2.8M | $1.8M | $-1K | -0.05% | 2.58% | 2.10% | 758 |
| Q4 2025 | $8.6M | $6.7M | $2.6M | $1.8M | $52K | 0.61% | 2.92% | 2.24% | 781 |
| Q3 2025 | $8.3M | $6.5M | $2.7M | $1.8M | $39K | 0.63% | 3.03% | 0.00% | 792 |
| Q2 2025 | $8.6M | $6.9M | $3.0M | $1.8M | $26K | 0.60% | 2.98% | 0.00% | 799 |
| Q1 2025 | $8.7M | $7.0M | $3.1M | $1.8M | $10K | 0.44% | 2.83% | 0.00% | 801 |
| Q4 2024 | $8.3M | $6.5M | $3.1M | $1.8M | $154K | 1.86% | 4.05% | 2.14% | 808 |
| Q3 2024 | $8.4M | $6.7M | $3.1M | $1.8M | $130K | 2.05% | 4.18% | 0.01% | 820 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.1M | $7.4M | $3.2M | $1.7M | $83K | 1.84% | 3.91% | 0.00% | 832 |
Loan mix (Q2 2026): real estate $2.6M · commercial $0 · consumer $190K · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 80.6% | 74th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Northampton, PA, ranked 27th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Northampton, PA | 2 | $4.3M* | 0.05% | 27th |
| Erie, NY | 1 | $2.2M* | 0.00% | 82nd |
Pennsylvania: 403rd with 0.00% · New York: 442nd with 0.00% · Allentown-Bethlehem-Easton metro: 46th, 0.02% · Buffalo-Cheektowaga metro: 90th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3