| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +63.0% | +1.3% | +61.7 pts |
| Share growth (YoY) | +149.8% | +0.9% | +148.8 pts |
| Loan growth (YoY) | +125.9% | -2.6% | +128.5 pts |
| ROA | 4.75% | 0.65% | +4.1 pts |
| ROE | 38.2% | 4.4% | +33.8 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.9M | $28.4M | $7.7M | $6.3M | $1.2M | 4.75% | 1.57% | 1.64% | 2,133 |
| Q1 2026 | $42.7M | $21.2M | $5.6M | $6.2M | $1.1M | 10.04% | 1.85% | 1.26% | 1,802 |
| Q4 2025 | $35.3M | $15.4M | $4.3M | $5.1M | $406K | 1.15% | 2.69% | 0.57% | 1,591 |
| Q3 2025 | $32.8M | $13.1M | $3.7M | $5.0M | $331K | 1.35% | 2.96% | 1.33% | 1,434 |
| Q2 2025 | $31.2M | $11.4M | $3.4M | $5.1M | $403K | 2.58% | 3.17% | 1.33% | 1,252 |
| Q1 2025 | $27.5M | $7.5M | $3.3M | $5.3M | $560K | 8.14% | 3.65% | 1.11% | 1,172 |
| Q4 2024 | $25.8M | $6.5M | $3.3M | $4.7M | $790K | 3.06% | 1.64% | 1.75% | 1,042 |
| Q3 2024 | $10.8M | $6.4M | $3.2M | $4.1M | $131K | 1.61% | 3.68% | 2.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.75% | 0.65% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 38.2% | 4.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 917 |
| Q2 2024 | $10.2M | $5.4M | $2.6M | $3.9M | $12K | 0.24% | 3.68% | 3.42% | 785 |
Loan mix (Q2 2026): real estate $5.6M · commercial $0 · consumer $2.1M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 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: Lancaster, PA, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lancaster, PA | 1 | $28.4M* | 0.12% | 32nd |
Pennsylvania: 309th with 0.00% · Lancaster metro: 32nd, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1