| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +1.3% | +6.3 pts |
| Share growth (YoY) | +7.4% | +0.9% | +6.4 pts |
| Loan growth (YoY) | -6.8% | -2.6% | -4.1 pts |
| ROA | 1.39% | 0.65% | +0.7 pts |
| ROE | 13.0% | 4.4% | +8.6 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 | $61.9M | $55.1M | $21.6M | $6.6M | $431K | 1.39% | 3.39% | 0.67% | 4,348 |
| Q1 2026 | $61.8M | $55.1M | $21.5M | $6.4M | $232K | 1.50% | 3.50% | 0.63% | 4,353 |
| Q4 2025 | $57.7M | $51.3M | $22.2M | $6.2M | $774K | 1.34% | 3.47% | 0.56% | 4,366 |
| Q3 2025 | $57.5M | $51.3M | $22.8M | $6.0M | $587K | 1.36% | 3.45% | 0.45% | 4,354 |
| Q2 2025 | $57.5M | $51.3M | $23.1M | $5.8M | $383K | 1.33% | 3.36% | 0.48% | 4,366 |
| Q1 2025 | $57.2M | $51.3M | $23.6M | $5.6M | $172K | 1.20% | 3.20% | 0.37% | 4,420 |
| Q4 2024 | $56.0M | $50.3M | $24.2M | $5.4M | $530K | 0.95% | 2.97% | 0.23% | 4,434 |
| Q3 2024 | $56.2M | $50.6M | $24.5M | $5.3M | $377K | 0.89% | 2.87% | 0.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,446 |
| Q2 2024 | $56.0M | $50.6M | $23.8M | $5.1M | $223K | 0.80% | 2.79% | 0.29% | 4,459 |
Loan mix (Q2 2026): real estate $7.1M · commercial $0 · consumer $13.2M · securities $30.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 80.6% | 15th |
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: Blair, PA, ranked 15th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Blair, PA | 1 | $55.1M* | 1.24% | 15th |
Pennsylvania: 258th with 0.01% · Altoona metro: 15th, 1.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1