| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -4.0% | +0.9% | -5.0 pts |
| Loan growth (YoY) | -15.9% | -2.6% | -13.3 pts |
| ROA | 0.73% | 0.65% | +0.1 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.5M | $1.9M | $1.2M | $663K | $9K | 0.73% | 4.22% | 0.00% | 426 |
| Q1 2026 | $2.5M | $1.8M | $1.3M | $657K | $3K | 0.53% | 4.28% | 0.00% | 428 |
| Q4 2025 | $2.4M | $1.7M | $1.5M | $654K | $30K | 1.27% | 4.67% | 0.00% | 431 |
| Q3 2025 | $2.5M | $1.8M | $1.4M | $645K | $21K | 1.16% | 4.47% | 0.00% | 430 |
| Q2 2025 | $2.6M | $1.9M | $1.5M | $639K | $15K | 1.16% | 4.28% | 0.00% | 437 |
| Q1 2025 | $2.6M | $2.0M | $1.5M | $629K | $5K | 0.81% | 4.12% | 0.00% | 438 |
| Q4 2024 | $2.5M | $1.9M | $1.6M | $624K | $18K | 0.69% | 2.18% | 0.00% | 450 |
| Q3 2024 | $2.7M | $2.1M | $1.6M | $616K | $16K | 0.80% | 3.72% | 0.00% | 454 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.7M |
| $2.1M |
| $1.5M |
| $606K |
| $6K |
| 0.45% |
| 3.64% |
| 0.00% |
| 460 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.2M · securities $676K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 80.6% | 55th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Erie, PA, ranked 25th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, PA | 3 | $1.9M* | 0.02% | 25th |
Pennsylvania: 425th with 0.00% · Erie metro: 25th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3