| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +3.9% | -1.2 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 7.4% | 5.9% | +1.5 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.2M | $114.1M | $105.3M | $11.7M | $217K | 0.69% | 4.00% | 0.86% | 9,341 |
| Q4 2025 | $123.5M | $110.7M | $107.1M | $11.5M | $929K | 0.75% | 3.81% | 1.20% | 9,400 |
| Q3 2025 | $122.3M | $109.0M | $104.6M | $11.2M | $645K | 0.70% | 3.74% | 1.55% | 9,355 |
| Q2 2025 | $121.6M | $109.9M | $104.2M | $10.9M | $390K | 0.64% | 3.61% | 1.08% | 9,341 |
| Q1 2025 | $122.9M | $111.7M | $102.4M | $10.7M | $173K | 0.56% | 3.40% | 0.94% | 9,352 |
| Q4 2024 | $117.7M | $106.8M | $102.3M | $10.5M | $887K | 0.75% | 3.33% | 1.01% | 9,345 |
| Q3 2024 | $117.1M | $105.4M | $102.4M | $10.3M | $624K | 0.71% | 3.30% | 0.94% | 9,324 |
| Q2 2024 | $111.9M | $102.5M | $93.1M | $9.0M | $395K | 0.71% | 3.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | — | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | — | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | — |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 7,839 |
Loan mix (Q1 2026): real estate $62.0M · commercial $15.0M · consumer $27.8M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | — | 59th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Dauphin, PA, ranked 17th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dauphin, PA | 2 | $73.3M* | 0.73% | 17th |
| Lebanon, PA | 1 | $36.6M* | 0.90% | 16th |
Pennsylvania: 206th with 0.02% · Harrisburg-Carlisle metro: 25th, 0.29% · Lebanon metro: 16th, 0.90% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3