| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +2.0% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -12.4% | -2.4% | -10.0 pts |
| ROA | 1.28% | 0.60% | +0.7 pts |
| ROE | 13.5% | 4.1% | +9.4 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.7M | $27.9M | $4.7M | $2.9M | $98K | 1.28% | 3.55% | 0.16% | 2,621 |
| Q4 2025 | $30.2M | $27.5M | $5.0M | $2.8M | $358K | 1.19% | 3.50% | 0.05% | 2,670 |
| Q3 2025 | $29.4M | $26.8M | $5.1M | $2.7M | $248K | 1.13% | 3.52% | 0.23% | 2,692 |
| Q2 2025 | $30.2M | $27.7M | $5.3M | $2.6M | $147K | 0.98% | 3.33% | 0.02% | 2,712 |
| Q1 2025 | $29.8M | $27.3M | $5.4M | $2.5M | $53K | 0.71% | 3.20% | 0.00% | 2,726 |
| Q4 2024 | $27.9M | $25.5M | $5.6M | $2.5M | $221K | 0.79% | 3.21% | 0.01% | 2,753 |
| Q3 2024 | $27.5M | $25.3M | $5.7M | $2.4M | $153K | 0.74% | 3.18% | 0.00% | 2,776 |
| Q2 2024 | $27.4M | $25.2M | $6.1M | $2.2M | $85K | 0.62% | 3.08% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,797 |
Loan mix (Q1 2026): real estate $1.2M · commercial $0 · consumer $3.2M · securities $20.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 81.5% | 31st |
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.
2 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Allen, IN, ranked 36th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 1 | $13.8M* | 0.12% | 36th |
| Mifflin, PA | 1 | $13.8M* | 1.26% | 7th |
Pennsylvania: 352nd with 0.00% · Indiana: 244th with 0.01% · Fort Wayne metro: 40th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2