| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +3.9% | +0.3 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.2 pts |
| Loan growth (YoY) | +8.2% | +2.9% | +5.3 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 7.8% | 5.9% | +1.9 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $192.2M | $170.2M | $129.7M | $21.9M | $429K | 0.89% | 3.70% | 0.40% | 9,023 |
| Q4 2025 | $188.1M | $166.7M | $129.4M | $21.5M | $1.7M | 0.92% | 3.39% | 0.43% | 9,000 |
| Q3 2025 | $185.5M | $164.9M | $125.8M | $20.8M | $982K | 0.71% | 3.35% | 0.44% | 8,952 |
| Q2 2025 | $185.1M | $165.3M | $120.7M | $20.2M | $441K | 0.48% | 3.24% | 0.41% | 8,896 |
| Q1 2025 | $184.4M | $165.2M | $119.9M | $19.9M | $61K | 0.13% | 3.13% | 0.04% | 8,853 |
| Q4 2024 | $181.1M | $162.1M | $117.0M | $19.8M | $836K | 0.46% | 2.83% | 0.11% | 8,789 |
| Q3 2024 | $179.5M | $160.9M | $113.5M | $19.5M | $497K | 0.37% | 2.74% | 0.07% | 8,748 |
| Q2 2024 | $180.1M | $162.4M | $110.2M | $19.3M | $346K | 0.38% | 2.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 8,694 |
Loan mix (Q1 2026): real estate $47.9M · commercial $35.5M · consumer $41.8M · securities $31.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 78.7% | 51st |
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: Berks, PA, ranked 19th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berks, PA | 1 | $165.3M* | 0.67% | 19th |
Pennsylvania: 168th with 0.03% · Reading metro: 19th, 0.67% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1