| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.4% | +0.9% | +1.4 pts |
| Loan growth (YoY) | -5.2% | -2.6% | -2.6 pts |
| ROA | 1.26% | 0.65% | +0.6 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.1M | $29.3M | $11.2M | $4.7M | $214K | 1.26% | 3.61% | 0.38% | 2,681 |
| Q1 2026 | $34.0M | $29.3M | $11.4M | $4.6M | $93K | 1.09% | 3.52% | 0.11% | 2,695 |
| Q4 2025 | $33.1M | $28.5M | $11.6M | $4.5M | $605K | 1.83% | 3.76% | 0.20% | 2,704 |
| Q3 2025 | $32.6M | $28.2M | $11.7M | $4.3M | $442K | 1.81% | 3.79% | 0.16% | 2,702 |
| Q2 2025 | $32.8M | $28.6M | $11.8M | $4.2M | $267K | 1.62% | 3.73% | 0.13% | 2,697 |
| Q1 2025 | $32.7M | $28.6M | $12.2M | $4.0M | $105K | 1.29% | 3.74% | 0.33% | 2,701 |
| Q4 2024 | $31.6M | $27.7M | $13.0M | $3.9M | $500K | 1.58% | 3.81% | 0.79% | 2,894 |
| Q3 2024 | $32.2M | $28.4M | $13.2M | $3.8M | $370K | 1.53% | 3.73% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,900 |
| Q2 2024 | $33.3M | $29.7M | $13.8M | $3.6M | $241K | 1.45% | 3.53% | 0.44% | 2,891 |
Loan mix (Q2 2026): real estate $4.9M · commercial $0 · consumer $6.2M · securities $13.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 80.6% | 26th |
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 2 states (+2 vs 2025). Biggest market: Washington, PA, ranked 26th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, PA | 2 | $19.5M* | 0.25% | 26th |
| Oakland, MI | 1 | $9.8M* | 0.01% | 67th |
Pennsylvania: 330th with 0.00% · Michigan: 284th with 0.00% · Pittsburgh metro: 97th, 0.01% · Detroit-Warren-Dearborn metro: 104th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3