| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.5 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | 1.72% | 0.60% | +1.1 pts |
| ROE | 8.4% | 4.1% | +4.3 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.0M | $43.6M | $23.4M | $11.2M | $236K | 1.72% | 3.88% | 2.37% | 4,082 |
| Q4 2025 | $53.5M | $42.3M | $23.8M | $11.0M | $526K | 0.98% | 3.98% | 3.60% | 4,075 |
| Q3 2025 | $53.5M | $42.4M | $24.2M | $11.4M | $567K | 1.41% | 3.94% | 2.33% | 4,100 |
| Q2 2025 | $54.7M | $43.7M | $24.3M | $11.2M | $397K | 1.45% | 3.80% | 2.13% | 4,113 |
| Q1 2025 | $54.8M | $44.0M | $24.9M | $11.0M | $199K | 1.46% | 3.77% | 1.43% | 4,119 |
| Q4 2024 | $54.5M | $43.9M | $25.7M | $10.8M | $26K | 0.05% | 3.55% | 3.26% | 4,135 |
| Q3 2024 | $54.6M | $44.0M | $25.8M | $11.3M | $96K | 0.23% | 3.52% | 3.00% | 4,159 |
| Q2 2024 | $55.3M | $44.5M | $25.6M | $11.5M | $300K | 1.09% | 3.38% | 2.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,187 |
Loan mix (Q1 2026): real estate $12.8M · commercial $0 · consumer $9.8M · securities $24.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 81.5% | 15th |
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 1 county across 1 state (+0 vs 2024). Biggest market: Delaware, PA, ranked 32nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Delaware, PA | 2 | $43.7M* | 0.22% | 32nd |
Pennsylvania: 275th with 0.01% · Philadelphia-Camden-Wilmington metro: 107th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2