| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.1 pts |
| Loan growth (YoY) | +5.4% | -2.6% | +8.0 pts |
| ROA | 1.56% | 0.65% | +0.9 pts |
| ROE | 9.9% | 4.4% | +5.5 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.1M | $27.9M | $10.4M | $5.2M | $258K | 1.56% | 2.65% | 0.00% | 1,706 |
| Q1 2026 | $32.6M | $27.5M | $10.3M | $5.1M | $130K | 1.59% | 2.74% | 0.00% | 1,734 |
| Q4 2025 | $31.9M | $26.9M | $9.8M | $4.9M | $564K | 1.77% | 2.84% | 0.00% | 1,756 |
| Q3 2025 | $31.1M | $26.3M | $9.8M | $4.8M | $410K | 1.76% | 2.89% | 0.00% | 1,778 |
| Q2 2025 | $31.5M | $26.8M | $9.9M | $4.6M | $264K | 1.68% | 2.79% | 0.00% | 1,798 |
| Q1 2025 | $31.4M | $26.9M | $9.3M | $4.5M | $128K | 1.64% | 2.79% | 0.00% | 1,803 |
| Q4 2024 | $30.4M | $26.0M | $9.2M | $4.4M | $552K | 1.82% | 2.71% | 0.19% | 1,804 |
| Q3 2024 | $30.0M | $25.7M | $9.4M | $4.3M | $430K | 1.91% | 2.75% | 0.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,832 |
| Q2 2024 | $29.7M | $25.6M | $9.8M | $4.1M | $277K | 1.86% | 2.69% | 0.03% | 1,835 |
Loan mix (Q2 2026): real estate $8.3M · commercial $0 · consumer $2.0M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 80.6% | 4th |
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: Lehigh, PA, ranked 32nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lehigh, PA | 2 | $27.9M* | 0.21% | 32nd |
Pennsylvania: 311th with 0.00% · Allentown-Bethlehem-Easton metro: 41st, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2