| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.2% | +0.9% | -2.2 pts |
| Loan growth (YoY) | -10.4% | -2.6% | -7.8 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 5.8% | 4.4% | +1.4 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.2M | $20.5M | $3.8M | $3.8M | $111K | 0.91% | 3.57% | 1.28% | 1,878 |
| Q1 2026 | $24.9M | $21.2M | $3.8M | $3.8M | $50K | 0.81% | 3.35% | 0.45% | 1,912 |
| Q4 2025 | $24.6M | $20.9M | $3.9M | $3.7M | $121K | 0.49% | 3.40% | 1.17% | 1,950 |
| Q3 2025 | $24.1M | $20.4M | $4.1M | $3.8M | $167K | 0.93% | 3.44% | 0.55% | 1,978 |
| Q2 2025 | $24.3M | $20.7M | $4.2M | $3.7M | $108K | 0.89% | 3.35% | 0.17% | 2,009 |
| Q1 2025 | $24.6M | $21.1M | $4.2M | $3.6M | $47K | 0.76% | 3.24% | 0.43% | 2,035 |
| Q4 2024 | $24.1M | $20.6M | $4.5M | $3.6M | $175K | 0.73% | 3.17% | 0.82% | 2,059 |
| Q3 2024 | $24.7M | $21.2M | $4.5M | $3.5M | $133K | 0.72% | 2.99% | 0.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,087 |
| Q2 2024 | $25.6M | $22.2M | $4.5M | $3.5M | $78K | 0.61% | 2.77% | 0.57% | 2,117 |
Loan mix (Q2 2026): real estate $644K · commercial $0 · consumer $2.9M · securities $17.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 80.6% | 34th |
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: Warren, PA, ranked 6th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Warren, PA | 1 | $20.5M* | 0.74% | 6th |
Pennsylvania: 326th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1