| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.5 pts |
| Loan growth (YoY) | -5.1% | -2.6% | -2.5 pts |
| ROA | 1.69% | 0.65% | +1.0 pts |
| ROE | 8.5% | 4.4% | +4.1 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.2M | $17.7M | $7.9M | $4.4M | $188K | 1.69% | 4.40% | 0.89% | 2,305 |
| Q1 2026 | $22.1M | $17.7M | $8.1M | $4.3M | $82K | 1.48% | 4.21% | 0.55% | 2,328 |
| Q4 2025 | $21.2M | $17.0M | $8.2M | $4.2M | $414K | 1.95% | 4.36% | 0.66% | 2,316 |
| Q3 2025 | $21.4M | $17.3M | $8.1M | $4.2M | $311K | 1.94% | 4.29% | 0.00% | 2,324 |
| Q2 2025 | $21.2M | $17.1M | $8.4M | $4.1M | $178K | 1.68% | 4.32% | 0.00% | 2,320 |
| Q1 2025 | $21.1M | $17.1M | $8.5M | $3.9M | $148K | 2.80% | 4.13% | 0.00% | 2,327 |
| Q4 2024 | $20.4M | $16.6M | $8.5M | $3.8M | $278K | 1.36% | 3.73% | 0.00% | 2,355 |
| Q3 2024 | $20.5M | $16.7M | $8.6M | $3.8M | $196K | 1.27% | 3.67% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,358 |
| Q2 2024 | $20.8M | $17.1M | $8.5M | $3.7M | $130K | 1.24% | 3.43% | 0.38% | 2,360 |
Loan mix (Q2 2026): real estate $628K · commercial $0 · consumer $7.0M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 80.6% | 12th |
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 (-1 vs 2025). Biggest market: Fayette, PA, ranked 13th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, PA | 1 | $17.7M* | 0.59% | 13th |
Pennsylvania: 335th with 0.00% · Pittsburgh metro: 100th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1