| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.1% | +2.6 pts |
| Share growth (YoY) | +5.2% | +3.5% | +1.6 pts |
| Loan growth (YoY) | +4.9% | +2.9% | +2.1 pts |
| ROA | 2.21% | 0.74% | +1.5 pts |
| ROE | 11.3% | 6.5% | +4.8 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.2M | $139.3M | $83.7M | $34.3M | $1.9M | 2.21% | 4.16% | 0.08% | 17,873 |
| Q1 2026 | $172.9M | $139.0M | $78.5M | $33.3M | $937K | 2.17% | 4.16% | 0.05% | 17,905 |
| Q4 2025 | $167.8M | $134.9M | $80.5M | $32.3M | $4.3M | 2.58% | 4.36% | 0.11% | 17,975 |
| Q3 2025 | $162.9M | $130.9M | $80.5M | $31.4M | $3.3M | 2.71% | 4.43% | 0.14% | 18,035 |
| Q2 2025 | $163.3M | $132.4M | $79.8M | $30.3M | $2.2M | 2.73% | 4.36% | 0.30% | 18,122 |
| Q1 2025 | $161.6M | $132.1M | $78.3M | $29.0M | $953K | 2.36% | 4.27% | 0.15% | 18,247 |
| Q4 2024 | $156.8M | $128.3M | $78.5M | $28.1M | $3.7M | 2.36% | 4.34% | 0.50% | 18,335 |
| Q3 2024 | $154.1M | $126.6M | $80.4M | $27.1M | $2.7M | 2.35% | 4.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 0.74% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 6.5% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.16% |
| 18,445 |
| Q2 2024 | $157.1M | $130.7M | $80.4M | $26.1M | $1.6M | 2.08% | 4.15% | 0.13% | 18,473 |
Loan mix (Q2 2026): real estate $23.0M · commercial $0 · consumer $57.3M · securities $74.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 77.5% | 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.
6 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: McKean, PA, ranked 4th with 6.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McKean, PA | 3 | $69.6M* | 6.51% | 4th |
| Elk, PA | 1 | $23.2M* | 2.69% | 5th |
| Cameron, PA | 1 | $23.2M* | 19.95% | 3rd |
| 1 more county with Pro → | ||||
Pennsylvania: 183rd with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 6 · 2025 6 · 2026 6