| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -19.9% | -2.4% | -17.6 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.1M | $2.6M | $835K | $500K | $3K | 0.36% | 2.02% | 1.49% | 348 |
| Q4 2025 | $3.0M | $2.5M | $898K | $497K | $1K | 0.05% | 1.60% | 0.00% | 352 |
| Q3 2025 | $3.0M | $2.4M | $946K | $512K | $16K | 0.74% | 2.05% | 0.00% | 351 |
| Q2 2025 | $3.0M | $2.4M | $1.0M | $513K | $17K | 1.16% | 2.35% | 0.29% | 353 |
| Q1 2025 | $3.0M | $2.5M | $1.0M | $502K | $7K | 0.93% | 2.45% | 0.40% | 358 |
| Q4 2024 | $2.9M | $2.4M | $1.2M | $495K | $7K | 0.26% | 2.04% | 0.47% | 362 |
| Q3 2024 | $2.9M | $2.3M | $1.1M | $514K | $26K | 1.21% | 2.72% | 0.56% | 363 |
| Q2 2024 | $2.9M | $2.4M | $1.2M | $512K | $24K | 1.65% | 3.08% | 0.56% | 362 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $835K · securities $1.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 81.5% | 61st |
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 1 state (+0 vs 2024). Biggest market: Somerset, PA, ranked 11th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Somerset, PA | 1 | $1.2M* | 0.06% | 11th |
| Westmoreland, PA | 1 | $1.2M* | 0.01% | 51st |
Pennsylvania: 429th with 0.00% · Pittsburgh metro: 158th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2