| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +1.3% | -8.6 pts |
| Share growth (YoY) | -8.4% | +0.9% | -9.4 pts |
| Loan growth (YoY) | -8.5% | -2.6% | -5.9 pts |
| ROA | -0.36% | 0.65% | -1.0 pts |
| ROE | -2.7% | 4.4% | -7.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.9M | $4.2M | $3.5M | $650K | $-9K | -0.36% | 4.46% | 1.09% | 721 |
| Q1 2026 | $5.0M | $4.3M | $3.6M | $659K | $879 | 0.07% | 4.38% | 1.66% | 734 |
| Q4 2025 | $5.2M | $4.5M | $3.7M | $658K | $31K | 0.61% | 4.34% | 1.90% | 743 |
| Q3 2025 | $5.3M | $4.6M | $3.7M | $645K | $19K | 0.47% | 4.29% | 1.25% | 752 |
| Q2 2025 | $5.3M | $4.6M | $3.8M | $643K | $16K | 0.62% | 4.37% | 0.84% | 745 |
| Q1 2025 | $5.2M | $4.5M | $3.8M | $639K | $12K | 0.93% | 4.49% | 0.95% | 746 |
| Q4 2024 | $5.2M | $4.5M | $3.8M | $627K | $27K | 0.53% | 4.21% | 1.01% | 750 |
| Q3 2024 | $5.2M | $4.5M | $3.5M | $621K | $21K | 0.55% | 4.11% | 0.87% | 745 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.2M | $4.5M | $3.5M | $615K | $16K | 0.61% | 4.10% | 0.92% | 745 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $670K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 80.6% | 65th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Beaver, PA, ranked 20th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaver, PA | 1 | $2.1M* | 0.06% | 20th |
| Lawrence, PA | 1 | $2.1M* | 0.09% | 12th |
Pennsylvania: 404th with 0.00% · Pittsburgh metro: 132nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2