| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.1% | +4.3 pts |
| Share growth (YoY) | +7.6% | +3.5% | +4.1 pts |
| Loan growth (YoY) | +8.3% | +2.9% | +5.4 pts |
| ROA | 1.14% | 0.74% | +0.4 pts |
| ROE | 12.3% | 6.5% | +5.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $258.8M | $234.7M | $109.9M | $23.9M | $1.5M | 1.14% | 3.08% | 0.31% | 20,064 |
| Q1 2026 | $254.1M | $230.6M | $108.2M | $23.3M | $826K | 1.30% | 3.19% | 0.36% | 19,970 |
| Q4 2025 | $245.3M | $222.7M | $105.9M | $22.5M | $2.4M | 0.97% | 2.87% | 0.27% | 19,793 |
| Q3 2025 | $240.6M | $218.2M | $103.3M | $22.0M | $1.9M | 1.07% | 2.90% | 0.40% | 19,671 |
| Q2 2025 | $238.7M | $218.1M | $101.5M | $21.2M | $1.1M | 0.94% | 2.77% | 0.45% | 19,470 |
| Q1 2025 | $238.1M | $217.2M | $100.9M | $20.6M | $555K | 0.93% | 2.76% | 0.51% | 19,377 |
| Q4 2024 | $227.6M | $207.0M | $99.6M | $20.1M | $2.2M | 0.96% | 2.56% | 0.63% | 19,308 |
| Q3 2024 | $222.7M | $203.2M | $97.0M | $19.2M | $1.3M | 0.78% | 2.53% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.74% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 6.5% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 19,153 |
| Q2 2024 | $222.4M | $203.3M | $93.5M | $18.7M | $754K | 0.68% | 2.44% | 0.38% | 20,139 |
Loan mix (Q2 2026): real estate $48.4M · commercial $0 · consumer $55.5M · securities $133.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 77.5% | 15th |
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.
4 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Schuylkill, PA, ranked 5th with 7.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Schuylkill, PA | 4 | $234.7M* | 7.37% | 5th |
Pennsylvania: 147th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 4 · 2024 4 · 2025 4 · 2026 4