| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -3.0% | +0.9% | -3.9 pts |
| Loan growth (YoY) | +9.6% | -2.6% | +12.2 pts |
| ROA | 3.31% | 0.65% | +2.7 pts |
| ROE | 31.1% | 4.4% | +26.7 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.0M | $1.7M | $916K | $209K | $32K | 3.31% | 4.81% | 6.03% | 418 |
| Q1 2026 | $2.0M | $1.7M | $886K | $194K | $18K | 3.67% | 4.67% | 6.24% | 418 |
| Q4 2025 | $1.9M | $1.6M | $928K | $176K | $61K | 3.19% | 4.78% | 8.61% | 402 |
| Q3 2025 | $1.7M | $1.6M | $893K | $167K | $61K | 4.68% | 5.20% | 5.68% | 409 |
| Q2 2025 | $2.0M | $1.7M | $836K | $153K | $32K | 3.21% | 4.54% | 6.04% | 405 |
| Q1 2025 | $1.9M | $1.6M | $835K | $136K | $15K | 3.16% | 4.56% | 6.20% | 395 |
| Q4 2024 | $1.6M | $1.5M | $789K | $121K | $20K | 1.25% | 4.68% | 6.87% | 406 |
| Q3 2024 | $1.5M | $1.4M | $776K | $113K | $12K | 1.01% | 4.73% | 6.41% | 397 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.31% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 31.1% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.5M | $1.4M | $710K | $109K | $8K | 1.01% | 4.70% | 5.53% | 398 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $862K · securities $503K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 80.6% | 11th |
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: Allegheny, PA, ranked 76th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 1 | $1.7M* | 0.00% | 76th |
Pennsylvania: 427th with 0.00% · Pittsburgh metro: 147th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1