| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.0% | +1.3% | -12.3 pts |
| Share growth (YoY) | -11.7% | +0.9% | -12.6 pts |
| Loan growth (YoY) | -36.6% | -2.6% | -34.0 pts |
| ROA | -1.03% | 0.65% | -1.7 pts |
| ROE | -7.2% | 4.4% | -11.6 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.7M | $4.0M | $469K | $676K | $-24K | -1.03% | 2.05% | 0.00% | 618 |
| Q1 2026 | $4.9M | $4.2M | $499K | $695K | $-6K | -0.52% | 1.88% | 0.76% | 627 |
| Q4 2025 | $5.0M | $4.3M | $582K | $703K | $-31K | -0.62% | 1.76% | 2.00% | 633 |
| Q3 2025 | $5.1M | $4.4M | $658K | $712K | $-23K | -0.61% | 1.57% | 2.82% | 641 |
| Q2 2025 | $5.3M | $4.6M | $741K | $724K | $-17K | -0.64% | 1.53% | 2.11% | 646 |
| Q1 2025 | $5.6M | $4.9M | $791K | $736K | $-14K | -0.99% | 1.09% | 0.00% | 656 |
| Q4 2024 | $5.8M | $5.0M | $876K | $760K | $-33K | -0.57% | 1.49% | 1.79% | 660 |
| Q3 2024 | $5.8M | $5.0M | $940K | $774K | $-28K | -0.65% | 1.38% | 0.00% | 664 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.03% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.9M | $5.0M | $984K | $794K | $-16K | -0.53% | 1.49% | 0.00% | 673 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $458K · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 149.9% | 80.6% | 98th |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Collin, TX, ranked 126th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Collin, TX | 1 | $2.0M* | 0.00% | 126th |
| Westmoreland, PA | 1 | $2.0M* | 0.02% | 46th |
Texas: 890th with 0.00% · Pennsylvania: 423rd with 0.00% · Pittsburgh metro: 144th, 0.00% · Dallas-Fort Worth-Arlington metro: 284th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2