| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.1% | +6.1 pts |
| Share growth (YoY) | +10.9% | +3.5% | +7.4 pts |
| Loan growth (YoY) | -5.7% | +2.9% | -8.6 pts |
| ROA | 1.29% | 0.74% | +0.6 pts |
| ROE | 8.7% | 6.5% | +2.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.7M | $114.6M | $23.2M | $20.0M | $870K | 1.29% | 2.19% | 1.36% | 7,824 |
| Q1 2026 | $132.2M | $112.6M | $23.6M | $19.6M | $406K | 1.23% | 2.26% | 1.42% | 7,822 |
| Q4 2025 | $127.1M | $107.8M | $24.0M | $19.2M | $1.2M | 0.91% | 2.06% | 1.63% | 7,842 |
| Q3 2025 | $123.5M | $104.2M | $24.5M | $19.3M | $1.3M | 1.36% | 2.52% | 1.57% | 7,910 |
| Q2 2025 | $122.3M | $103.3M | $24.6M | $18.9M | $870K | 1.42% | 2.52% | 1.63% | 7,939 |
| Q1 2025 | $119.6M | $101.2M | $24.2M | $18.4M | $406K | 1.36% | 2.44% | 1.30% | 7,943 |
| Q4 2024 | $112.0M | $93.9M | $25.0M | $18.0M | $1.4M | 1.28% | 2.37% | 1.35% | 7,856 |
| Q3 2024 | $107.5M | $89.3M | $25.0M | $18.2M | $1.6M | 1.99% | 3.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.74% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 6.5% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.19% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.66% |
| 7,813 |
| Q2 2024 | $106.0M | $88.2M | $24.4M | $17.7M | $1.1M | 2.14% | 3.08% | 1.37% | 7,784 |
Loan mix (Q2 2026): real estate $2.6M · commercial $0 · consumer $19.4M · securities $86.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.8% | 77.5% | 3rd |
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: Westmoreland, PA, ranked 14th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 2 | $114.6M* | 0.99% | 14th |
Pennsylvania: 200th with 0.02% · Pittsburgh metro: 47th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2