| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.0% | +0.9% | -3.9 pts |
| Loan growth (YoY) | -3.5% | -2.6% | -0.9 pts |
| ROA | 0.50% | 0.65% | -0.1 pts |
| ROE | 2.4% | 4.4% | -2.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.4M | $10.6M | $7.9M | $2.8M | $33K | 0.50% | 2.72% | 1.38% | 985 |
| Q1 2026 | $13.3M | $10.5M | $8.0M | $2.8M | $18K | 0.55% | 2.77% | 1.77% | 990 |
| Q4 2025 | $13.6M | $10.8M | $8.1M | $2.8M | $42K | 0.31% | 2.68% | 2.23% | 987 |
| Q3 2025 | $13.6M | $10.8M | $8.2M | $2.8M | $29K | 0.29% | 2.60% | 2.25% | 989 |
| Q2 2025 | $13.7M | $10.9M | $8.2M | $2.8M | $26K | 0.37% | 2.62% | 1.95% | 999 |
| Q1 2025 | $13.8M | $11.0M | $7.7M | $2.8M | $14K | 0.40% | 2.63% | 0.71% | 994 |
| Q4 2024 | $13.8M | $11.0M | $8.1M | $2.8M | $2K | 0.01% | 1.74% | 2.55% | 996 |
| Q3 2024 | $13.8M | $11.0M | $8.1M | $2.7M | $-32K | -0.31% | 1.74% | 1.24% | 987 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $13.7M | $11.0M | $8.2M | $2.7M | $-30K | -0.44% | 1.61% | 0.64% | 987 |
Loan mix (Q2 2026): real estate $3.8M · commercial $0 · consumer $4.0M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 80.6% | 53rd |
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: Bucks, PA, ranked 41st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bucks, PA | 1 | $10.6M* | 0.03% | 41st |
Pennsylvania: 364th with 0.00% · Philadelphia-Camden-Wilmington metro: 140th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1