| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +1.3% | -9.1 pts |
| Share growth (YoY) | -8.9% | +0.9% | -9.8 pts |
| Loan growth (YoY) | -17.6% | -2.6% | -15.0 pts |
| ROA | -0.69% | 0.65% | -1.3 pts |
| ROE | -2.7% | 4.4% | -7.1 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $490K | $365K | $240K | $124K | $-2K | -0.69% | 4.73% | 2.61% | 90 |
| Q1 2026 | $489K | $359K | $276K | $125K | $-986 | -0.81% | 4.84% | 0.00% | 90 |
| Q4 2025 | $489K | $358K | $292K | $126K | $-2K | -0.51% | 4.83% | 0.00% | 95 |
| Q3 2025 | $531K | $401K | $267K | $126K | $-631 | -0.16% | 4.48% | 0.24% | 97 |
| Q2 2025 | $532K | $401K | $291K | $128K | $350 | 0.13% | 4.47% | 0.00% | 100 |
| Q1 2025 | $520K | $388K | $296K | $128K | $81 | 0.06% | 4.68% | 0.00% | 100 |
| Q4 2024 | $504K | $369K | $314K | $128K | $2K | 0.40% | 5.28% | 0.00% | 101 |
| Q3 2024 | $564K | $432K | $291K | $127K | $1K | 0.25% | 4.74% | 0.00% | 102 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.69% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $567K |
| $435K |
| $316K |
| $127K |
| $458 |
| 0.16% |
| 4.77% |
| 0.97% |
| 108 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $240K · securities $7K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.2% | 80.6% | 93rd |
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: Lycoming, PA, ranked 19th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lycoming, PA | 1 | $365K* | 0.01% | 19th |
Pennsylvania: 438th with 0.00% · Williamsport metro: 19th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1