| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -8.9% | +0.9% | -9.8 pts |
| Loan growth (YoY) | -19.5% | -2.6% | -16.9 pts |
| ROA | 1.17% | 0.65% | +0.5 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30K | $21K | $7K | $9K | $175 | 1.17% | 2.52% | 0.00% | 106 |
| Q1 2026 | $31K | $22K | $6K | $9K | $73 | 0.96% | 2.14% | 0.00% | 107 |
| Q4 2025 | $29K | $21K | $5K | $9K | $872 | 2.96% | 4.07% | 0.00% | 109 |
| Q3 2025 | $32K | $24K | $7K | $9K | $724 | 2.99% | 3.89% | 0.00% | 111 |
| Q2 2025 | $31K | $23K | $9K | $8K | $474 | 3.02% | 3.99% | 0.00% | 111 |
| Q1 2025 | $29K | $21K | $10K | $8K | $236 | 3.22% | 3.20% | 0.00% | 111 |
| Q4 2024 | $28K | $20K | $6K | $8K | $318 | 1.14% | 2.92% | 0.00% | 111 |
| Q3 2024 | $30K | $23K | $5K | $8K | $149 | 0.65% | 2.50% | 0.00% | 115 |
| Q2 2024 | $28K |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $20K |
| $3K |
| $8K |
| $237 |
| 1.69% |
| 2.71% |
| 0.00% |
| 110 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7K · securities $74
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 80.6% | 8th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Philadelphia, PA, ranked 66th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Philadelphia, PA | 1 | $21K* | 0.00% | 66th |
Pennsylvania: 444th with 0.00% · Philadelphia-Camden-Wilmington metro: 173rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1