| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -6.6% | +0.9% | -7.6 pts |
| Loan growth (YoY) | -10.2% | -2.6% | -7.6 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.0M | $8.6M | $2.5M | $1.4M | $44K | 0.88% | 3.43% | 0.31% | 745 |
| Q1 2026 | $9.8M | $8.4M | $2.6M | $1.4M | $22K | 0.88% | 3.38% | 0.00% | 750 |
| Q4 2025 | $9.7M | $8.3M | $2.7M | $1.4M | $90K | 0.93% | 3.26% | 0.42% | 756 |
| Q3 2025 | $10.1M | $8.7M | $2.8M | $1.3M | $83K | 1.09% | 3.32% | 0.00% | 766 |
| Q2 2025 | $10.5M | $9.2M | $2.8M | $1.3M | $43K | 0.81% | 3.07% | 0.00% | 762 |
| Q1 2025 | $10.3M | $9.0M | $2.9M | $1.3M | $10K | 0.39% | 2.99% | 0.00% | 758 |
| Q4 2024 | $10.1M | $8.8M | $3.1M | $1.3M | $78K | 0.77% | 2.87% | 0.00% | 757 |
| Q3 2024 | $10.4M | $9.1M | $3.2M | $1.2M | $49K | 0.63% | 2.74% | 0.00% | 767 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.4M | $9.1M | $3.2M | $1.2M | $22K | 0.42% | 2.63% | 0.00% | 770 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 80.6% | 38th |
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: Erie, PA, ranked 21st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, PA | 1 | $8.6M* | 0.09% | 21st |
Pennsylvania: 372nd with 0.00% · Erie metro: 21st, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1