| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.5 pts |
| Loan growth (YoY) | -0.5% | -2.6% | +2.1 pts |
| ROA | 1.57% | 0.65% | +0.9 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.3M | $14.9M | $4.6M | $5.3M | $159K | 1.57% | 3.34% | 0.71% | 887 |
| Q1 2026 | $19.9M | $14.6M | $4.6M | $5.2M | $72K | 1.44% | 3.42% | 0.98% | 901 |
| Q4 2025 | $19.6M | $14.4M | $4.8M | $5.1M | $398K | 2.03% | 3.61% | 0.67% | 924 |
| Q3 2025 | $19.4M | $14.3M | $4.8M | $5.0M | $303K | 2.09% | 3.64% | 0.48% | 935 |
| Q2 2025 | $19.4M | $14.4M | $4.6M | $4.9M | $188K | 1.94% | 3.60% | 0.12% | 938 |
| Q1 2025 | $19.3M | $14.4M | $4.8M | $4.8M | $91K | 1.89% | 3.66% | 0.13% | 952 |
| Q4 2024 | $19.2M | $14.4M | $4.8M | $4.7M | $388K | 2.02% | 3.65% | 0.73% | 979 |
| Q3 2024 | $19.0M | $14.2M | $5.0M | $4.6M | $293K | 2.05% | 3.60% | 0.58% | 981 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $18.7M | $14.0M | $5.2M | $4.5M | $180K | 1.93% | 3.52% | 0.24% | 989 |
Loan mix (Q2 2026): real estate $3.0M · commercial $0 · consumer $1.6M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 80.6% | 6th |
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: Erie, PA, ranked 17th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, PA | 1 | $14.9M* | 0.16% | 17th |
Pennsylvania: 347th with 0.00% · Erie metro: 17th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1