| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +4.1% | -2.1 pts |
| Share growth (YoY) | +1.1% | +3.5% | -2.4 pts |
| Loan growth (YoY) | +0.9% | +2.9% | -2.0 pts |
| ROA | 0.42% | 0.74% | -0.3 pts |
| ROE | 3.9% | 6.5% | -2.6 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.7M | $112.4M | $62.0M | $13.4M | $258K | 0.42% | 2.88% | 0.31% | 7,296 |
| Q1 2026 | $124.4M | $114.0M | $61.6M | $13.2M | $128K | 0.41% | 2.80% | 0.66% | 7,300 |
| Q4 2025 | $120.7M | $110.6M | $62.1M | $13.1M | $481K | 0.40% | 2.83% | 0.62% | 7,337 |
| Q3 2025 | $118.5M | $108.7M | $61.9M | $13.0M | $344K | 0.39% | 2.89% | 0.41% | 7,356 |
| Q2 2025 | $120.3M | $111.2M | $61.4M | $12.9M | $206K | 0.34% | 2.82% | 0.59% | 7,325 |
| Q1 2025 | $120.0M | $111.3M | $60.4M | $12.8M | $91K | 0.30% | 2.72% | 0.66% | 7,288 |
| Q4 2024 | $114.9M | $107.0M | $57.8M | $12.7M | $473K | 0.41% | 2.77% | 0.37% | 7,317 |
| Q3 2024 | $114.8M | $106.0M | $52.3M | $12.7M | $415K | 0.48% | 2.75% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.74% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 6.5% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 7,324 |
| Q2 2024 | $112.6M | $105.0M | $51.6M | $12.6M | $364K | 0.65% | 2.78% | 0.64% | 7,331 |
Loan mix (Q2 2026): real estate $35.8M · commercial $4.7M · consumer $18.8M · securities $39.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 77.5% | 81st |
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 1 county across 1 state (+0 vs 2025). Biggest market: Bradford, PA, ranked 6th with 5.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bradford, PA | 2 | $112.4M* | 5.40% | 6th |
Pennsylvania: 203rd with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2