| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +8.6% | +0.9% | +7.6 pts |
| Loan growth (YoY) | +4.9% | -2.6% | +7.5 pts |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.6M | $59.8M | $31.6M | $12.5M | $170K | 0.47% | 3.06% | 0.27% | 4,445 |
| Q1 2026 | $73.1M | $60.3M | $31.5M | $12.5M | $140K | 0.77% | 2.97% | 0.41% | 4,551 |
| Q4 2025 | $70.5M | $58.0M | $31.2M | $12.4M | $559K | 0.79% | 2.97% | 0.68% | 4,550 |
| Q3 2025 | $68.9M | $56.3M | $30.7M | $12.3M | $464K | 0.90% | 3.00% | 0.51% | 4,560 |
| Q2 2025 | $67.4M | $55.1M | $30.1M | $12.1M | $291K | 0.86% | 3.00% | 0.82% | 4,576 |
| Q1 2025 | $68.2M | $56.1M | $30.2M | $11.9M | $92K | 0.54% | 2.87% | 0.87% | 4,608 |
| Q4 2024 | $65.9M | $53.9M | $30.4M | $11.8M | $450K | 0.68% | 2.69% | 1.01% | 4,634 |
| Q3 2024 | $63.7M | $51.9M | $30.9M | $11.8M | $345K | 0.72% | 2.78% | 0.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,616 |
| Q2 2024 | $62.8M | $51.1M | $31.5M | $11.7M | $231K | 0.74% | 2.76% | 0.75% | 4,644 |
Loan mix (Q2 2026): real estate $10.0M · commercial $0 · consumer $20.4M · securities $34.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 80.6% | 41st |
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.
1 branches in 1 county across 1 state (-1 vs 2025). Biggest market: Venango, PA, ranked 7th with 5.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Venango, PA | 1 | $59.8M* | 5.19% | 7th |
Pennsylvania: 253rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1