| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +1.3% | -10.1 pts |
| Share growth (YoY) | -10.3% | +0.9% | -11.2 pts |
| Loan growth (YoY) | -2.1% | -2.6% | +0.5 pts |
| ROA | 0.04% | 0.65% | -0.6 pts |
| ROE | 0.2% | 4.4% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.3M | $2.8M | $2.5M | $522K | $628 | 0.04% | 2.07% | 3.97% | 247 |
| Q1 2026 | $3.7M | $3.2M | $2.4M | $518K | $-4K | -0.38% | 1.52% | 0.85% | 243 |
| Q4 2025 | $3.7M | $3.2M | $2.4M | $522K | $-9K | -0.24% | 1.59% | 0.11% | 248 |
| Q3 2025 | $3.6M | $3.1M | $2.6M | $523K | $-7K | -0.27% | 1.66% | 0.11% | 246 |
| Q2 2025 | $3.6M | $3.1M | $2.5M | $524K | $-6K | -0.34% | 1.59% | 0.11% | 246 |
| Q1 2025 | $3.5M | $3.0M | $2.5M | $528K | $-3K | -0.30% | 1.59% | 0.11% | 243 |
| Q4 2024 | $3.1M | $2.5M | $2.5M | $531K | $7K | 0.22% | 2.27% | 0.11% | 244 |
| Q3 2024 | $3.0M | $2.4M | $2.5M | $527K | $3K | 0.14% | 2.33% | 0.11% | 248 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.9M | $2.4M | $2.5M | $527K | $3K | 0.23% | 2.38% | 0.11% | 249 |
Loan mix (Q2 2026): real estate $1.3M · commercial $0 · consumer $919K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.3% | 80.6% | 84th |
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: Westmoreland, PA, ranked 43rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 1 | $2.8M* | 0.02% | 43rd |
Pennsylvania: 416th with 0.00% · Pittsburgh metro: 138th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1