| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +5.6% | +0.9% | +4.6 pts |
| Loan growth (YoY) | +2.0% | -2.6% | +4.6 pts |
| ROA | 1.66% | 0.65% | +1.0 pts |
| ROE | 12.1% | 4.4% | +7.7 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.0M | $67.8M | $38.9M | $10.9M | $654K | 1.66% | 4.27% | 0.74% | 6,499 |
| Q1 2026 | $78.6M | $67.9M | $37.2M | $10.5M | $253K | 1.29% | 4.02% | 0.86% | 6,429 |
| Q4 2025 | $76.2M | $65.8M | $38.0M | $10.2M | $833K | 1.09% | 3.45% | 1.58% | 6,503 |
| Q3 2025 | $75.0M | $64.3M | $38.9M | $10.4M | $1.0M | 1.86% | 4.25% | 0.74% | 6,490 |
| Q2 2025 | $74.6M | $64.2M | $38.1M | $10.1M | $688K | 1.84% | 4.26% | 0.69% | 6,484 |
| Q1 2025 | $75.0M | $65.1M | $36.1M | $9.7M | $309K | 1.65% | 4.05% | 1.04% | 6,450 |
| Q4 2024 | $71.9M | $62.3M | $35.8M | $9.4M | $1.2M | 1.69% | 3.80% | 1.29% | 6,500 |
| Q3 2024 | $71.4M | $61.9M | $35.5M | $9.2M | $1.0M | 1.94% | 4.06% | 1.09% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 4.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,463 |
| Q2 2024 | $71.0M | $61.9M | $34.4M | $8.8M | $678K | 1.91% | 3.99% | 1.55% | 6,365 |
Loan mix (Q2 2026): real estate $12.4M · commercial $0 · consumer $24.7M · securities $33.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 80.6% | 16th |
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.
6 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Cambria, PA, ranked 15th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cambria, PA | 4 | $45.2M* | 1.01% | 15th |
| Blair, PA | 1 | $11.3M* | 0.25% | 22nd |
| Westmoreland, PA | 1 | $11.3M* | 0.10% | 36th |
Pennsylvania: 238th with 0.01% · Johnstown metro: 15th, 1.01% · Altoona metro: 22nd, 0.25% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 6 · 2025 6 · 2026 6