| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.0 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.6 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.4M | $8.7M | $8.2M | $3.7M | $10K | 0.33% | 2.06% | 0.00% | 706 |
| Q4 2025 | $12.3M | $8.6M | $8.3M | $3.7M | $136K | 1.10% | 2.60% | 0.00% | 704 |
| Q3 2025 | $12.3M | $8.7M | $8.7M | $3.6M | $95K | 1.03% | 2.42% | 0.00% | 705 |
| Q2 2025 | $12.4M | $8.8M | $8.6M | $3.6M | $57K | 0.91% | 2.26% | 0.00% | 705 |
| Q1 2025 | $12.3M | $8.7M | $8.6M | $3.6M | $25K | 0.83% | 2.16% | 0.05% | 706 |
| Q4 2024 | $12.0M | $8.4M | $8.8M | $3.6M | $144K | 1.20% | 2.48% | 0.00% | 709 |
| Q3 2024 | $11.9M | $8.3M | $8.8M | $3.5M | $94K | 1.06% | 2.35% | 0.00% | 714 |
| Q2 2024 | $11.8M | $8.3M | $9.0M | $3.5M | $52K | 0.88% | 2.30% | 0.00% | 720 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.9M · commercial $0 · consumer $4.9M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 81.5% | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Westmoreland, PA, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 1 | $8.8M* | 0.08% | 40th |
Pennsylvania: 378th with 0.00% · Pittsburgh metro: 124th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1