| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -3.3% | +0.9% | -4.3 pts |
| Loan growth (YoY) | -3.1% | -2.6% | -0.5 pts |
| ROA | -0.46% | 0.65% | -1.1 pts |
| ROE | -4.3% | 4.4% | -8.7 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $892K | $350K | $106K | $-2K | -0.46% | 4.51% | 0.00% | 189 |
| Q1 2026 | $1.0M | $914K | $352K | $109K | $188 | 0.07% | 4.54% | 0.00% | 182 |
| Q4 2025 | $1.0M | $907K | $332K | $109K | $-17K | -1.69% | 2.67% | 1.49% | 196 |
| Q3 2025 | $1.0M | $918K | $363K | $108K | $-18K | -2.34% | 2.22% | 1.36% | 188 |
| Q2 2025 | $1.0M | $923K | $361K | $110K | $-16K | -3.00% | 1.63% | 0.00% | 201 |
| Q1 2025 | $1.1M | $999K | $410K | $116K | $-10K | -3.53% | 0.26% | 1.85% | 201 |
| Q4 2024 | $1.1M | $929K | $436K | $126K | $-32K | -2.97% | 1.48% | 2.74% | 212 |
| Q3 2024 | $1.1M | $953K | $455K | $141K | $-17K | -2.04% | 1.81% | 2.37% | 213 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.46% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -4.3% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.1M | $978K | $453K | $156K | $-2K | -0.30% | 3.48% | 2.47% | 221 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $350K · securities $510K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 80.6% | 34th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Montgomery, PA, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, PA | 2 | $892K* | 0.00% | 52nd |
Pennsylvania: 432nd with 0.00% · Philadelphia-Camden-Wilmington metro: 161st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2