| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +4.4% | +0.9% | +3.5 pts |
| Loan growth (YoY) | +0.1% | -2.6% | +2.7 pts |
| ROA | 1.57% | 0.65% | +0.9 pts |
| ROE | 10.2% | 4.4% | +5.8 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.7M | $64.6M | $24.7M | $11.8M | $601K | 1.57% | 3.41% | 0.40% | 11,209 |
| Q1 2026 | $74.8M | $63.8M | $23.5M | $10.8M | $268K | 1.44% | 3.38% | 0.55% | 10,455 |
| Q4 2025 | $71.5M | $60.8M | $23.3M | $10.5M | $1.2M | 1.68% | 3.59% | 0.67% | 10,580 |
| Q3 2025 | $72.3M | $62.0M | $24.2M | $10.2M | $874K | 1.61% | 3.52% | 0.45% | 10,714 |
| Q2 2025 | $71.9M | $61.9M | $24.7M | $9.9M | $581K | 1.62% | 3.46% | 0.41% | 9,197 |
| Q1 2025 | $72.0M | $62.3M | $24.6M | $9.6M | $289K | 1.61% | 3.36% | 0.44% | 10,989 |
| Q4 2024 | $70.4M | $61.0M | $25.0M | $9.3M | $1.0M | 1.46% | 3.28% | 0.53% | 9,561 |
| Q3 2024 | $71.1M | $62.1M | $26.1M | $9.1M | $764K | 1.43% | 3.21% | 0.34% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 9,588 |
| Q2 2024 | $73.1M | $64.4M | $27.0M | $8.8M | $486K | 1.33% | 3.04% | 0.50% | 9,695 |
Loan mix (Q2 2026): real estate $6.3M · commercial $0 · consumer $18.4M · securities $47.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 80.6% | 11th |
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.
8 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Allegheny, PA, ranked 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 8 | $64.6M* | 0.04% | 35th |
Pennsylvania: 243rd with 0.01% · Pittsburgh metro: 63rd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 7 · 2024 7 · 2025 7 · 2026 8