| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | -1.6% | -2.6% | +1.0 pts |
| ROA | 0.30% | 0.65% | -0.3 pts |
| ROE | 2.2% | 4.4% | -2.2 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.3M | $32.8M | $11.3M | $5.1M | $55K | 0.30% | 3.46% | 0.42% | 3,941 |
| Q1 2026 | $37.9M | $33.3M | $11.0M | $5.1M | $11K | 0.12% | 3.24% | 0.24% | 3,958 |
| Q4 2025 | $36.5M | $31.9M | $11.3M | $5.1M | $297K | 0.81% | 3.67% | 0.14% | 4,003 |
| Q3 2025 | $36.6M | $32.1M | $11.6M | $5.0M | $238K | 0.87% | 3.71% | 0.46% | 4,030 |
| Q2 2025 | $36.9M | $32.7M | $11.5M | $4.9M | $152K | 0.82% | 3.73% | 0.31% | 4,065 |
| Q1 2025 | $37.3M | $33.3M | $11.2M | $4.8M | $51K | 0.55% | 3.50% | 0.39% | 4,095 |
| Q4 2024 | $36.4M | $32.5M | $11.6M | $4.8M | $288K | 0.79% | 3.70% | 0.32% | 4,152 |
| Q3 2024 | $36.4M | $32.5M | $12.0M | $4.7M | $232K | 0.85% | 3.70% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,185 |
| Q2 2024 | $37.2M | $33.8M | $12.1M | $4.6M | $132K | 0.71% | 3.57% | 0.42% | 4,204 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $8.7M · securities $18.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 80.6% | 67th |
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 2025). Biggest market: Cambria, PA, ranked 18th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cambria, PA | 2 | $32.8M* | 0.73% | 18th |
Pennsylvania: 302nd with 0.01% · Johnstown metro: 18th, 0.73% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2