| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.7% | +0.9% | -1.7 pts |
| Loan growth (YoY) | +5.5% | -2.6% | +8.2 pts |
| ROA | 0.86% | 0.65% | +0.2 pts |
| ROE | 5.7% | 4.4% | +1.3 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.7M | $45.6M | $33.3M | $8.1M | $232K | 0.86% | 4.48% | 0.38% | 7,110 |
| Q1 2026 | $54.3M | $46.3M | $32.8M | $8.0M | $98K | 0.72% | 4.28% | 0.39% | 7,045 |
| Q4 2025 | $52.3M | $44.4M | $32.7M | $7.9M | $617K | 1.18% | 4.53% | 0.77% | 6,969 |
| Q3 2025 | $52.8M | $45.0M | $32.4M | $7.7M | $459K | 1.16% | 4.47% | 0.37% | 6,896 |
| Q2 2025 | $53.6M | $46.0M | $31.5M | $7.6M | $320K | 1.19% | 4.37% | 0.47% | 6,854 |
| Q1 2025 | $53.8M | $46.3M | $31.2M | $7.4M | $147K | 1.10% | 4.26% | 0.41% | 6,796 |
| Q4 2024 | $51.8M | $44.5M | $31.7M | $7.3M | $648K | 1.25% | 4.37% | 0.42% | 6,760 |
| Q3 2024 | $51.1M | $44.0M | $31.9M | $7.1M | $441K | 1.15% | 4.32% | 1.07% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,783 |
| Q2 2024 | $51.5M | $44.7M | $30.7M | $6.9M | $237K | 0.92% | 4.20% | 0.87% | 6,842 |
Loan mix (Q2 2026): real estate $7.4M · commercial $0 · consumer $23.4M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 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.
5 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Westmoreland, PA, ranked 26th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 4 | $36.5M* | 0.31% | 26th |
| Butler, PA | 1 | $9.1M* | 0.12% | 29th |
Pennsylvania: 273rd with 0.01% · Pittsburgh metro: 74th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5