| Metric | Glatco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.7 pts |
| Loan growth (YoY) | -10.0% | -2.6% | -7.4 pts |
| ROA | 1.61% | 0.65% | +1.0 pts |
| ROE | 9.9% | 4.4% | +5.5 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.1M | $45.3M | $9.6M | $8.8M | $435K | 1.61% | 3.50% | 0.79% | 2,969 |
| Q1 2026 | $53.8M | $45.2M | $9.5M | $8.6M | $233K | 1.73% | 3.33% | 1.22% | 2,982 |
| Q4 2025 | $51.8M | $43.4M | $10.0M | $8.3M | $865K | 1.67% | 3.59% | 1.41% | 3,017 |
| Q3 2025 | $51.6M | $43.4M | $10.4M | $8.2M | $698K | 1.80% | 3.59% | 0.55% | 3,009 |
| Q2 2025 | $52.0M | $44.1M | $10.7M | $7.8M | $363K | 1.39% | 3.51% | 2.21% | 3,002 |
| Q1 2025 | $51.8M | $44.1M | $10.5M | $7.6M | $162K | 1.25% | 3.38% | 1.98% | 3,014 |
| Q4 2024 | $50.3M | $42.8M | $10.5M | $7.5M | $670K | 1.33% | 3.32% | 2.08% | 3,055 |
| Q3 2024 | $50.7M | $43.4M | $10.6M | $7.2M | $431K | 1.13% | 3.24% | 2.26% |
| Ratio | Glatco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,038 |
| Q2 2024 | $51.4M | $44.3M | $10.6M | $7.3M | $278K | 1.08% | 3.03% | 1.19% | 3,046 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $5.9M · securities $30.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 80.6% | 8th |
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 | Glatco Credit Union | 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 | Glatco Credit Union | 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 | Glatco Credit Union | 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 | Glatco Credit Union | 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 | Glatco Credit Union | 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.
5 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: York, PA, ranked 22nd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| York, PA | 4 | $36.2M* | 0.31% | 22nd |
| Salt Lake, UT | 1 | $9.1M* | 0.00% | 114th |
Pennsylvania: 292nd with 0.01% · Utah: 140th with 0.00% · York-Hanover metro: 22nd, 0.31% · Salt Lake City-Murray metro: 114th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 5