| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.7 pts |
| Loan growth (YoY) | +28.2% | -2.6% | +30.9 pts |
| ROA | -0.97% | 0.65% | -1.6 pts |
| ROE | -4.2% | 4.4% | -8.6 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $843K | $646K | $91K | $195K | $-4K | -0.97% | 3.42% | 0.00% | 528 |
| Q1 2026 | $798K | $601K | $102K | $197K | $-2K | -1.11% | 3.48% | 27.64% | 551 |
| Q4 2025 | $778K | $579K | $70K | $199K | $18K | 2.27% | 3.26% | 21.05% | 539 |
| Q3 2025 | $763K | $571K | $74K | $190K | $8K | 1.41% | 4.66% | 19.93% | 554 |
| Q2 2025 | $821K | $629K | $71K | $190K | $8K | 2.04% | 4.32% | 0.00% | 542 |
| Q1 2025 | $829K | $641K | $76K | $186K | $5K | 2.30% | 4.13% | 0.00% | 545 |
| Q4 2024 | $763K | $583K | $56K | $178K | $18K | 2.33% | 3.92% | 0.00% | 546 |
| Q3 2024 | $750K | $573K | $51K | $175K | $15K | 2.66% | 5.29% | 0.00% | 548 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.97% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -4.2% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $744K |
| $573K |
| $55K |
| $168K |
| $8K |
| 2.09% |
| 5.34% |
| 7.11% |
| 548 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $91K · securities $5K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 126.2% | 80.6% | 96th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Philadelphia, PA, ranked 60th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Philadelphia, PA | 2 | $646K* | 0.00% | 60th |
Pennsylvania: 435th with 0.00% · Philadelphia-Camden-Wilmington metro: 162nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2