| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.0% | +1.3% | -9.3 pts |
| Share growth (YoY) | -9.3% | +0.9% | -10.2 pts |
| Loan growth (YoY) | -5.0% | -2.6% | -2.4 pts |
| ROA | 0.02% | 0.65% | -0.6 pts |
| ROE | 0.2% | 4.4% | -4.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.7M | $5.1M | $3.1M | $610K | $501 | 0.02% | 3.95% | 0.00% | 1,043 |
| Q1 2026 | $5.8M | $5.1M | $3.1M | $607K | $-2K | -0.16% | 3.93% | 0.00% | 904 |
| Q4 2025 | $5.8M | $5.2M | $3.2M | $609K | $43K | 0.74% | 4.08% | 0.00% | 906 |
| Q3 2025 | $6.1M | $5.5M | $3.3M | $597K | $31K | 0.66% | 3.80% | 0.00% | 909 |
| Q2 2025 | $6.2M | $5.6M | $3.2M | $582K | $16K | 0.50% | 3.73% | 0.07% | 900 |
| Q1 2025 | $6.1M | $5.6M | $3.4M | $570K | $3K | 0.22% | 3.71% | 0.10% | 919 |
| Q4 2024 | $6.1M | $5.6M | $3.4M | $567K | $11K | 0.17% | 3.32% | 0.10% | 941 |
| Q3 2024 | $6.3M | $5.8M | $3.3M | $564K | $8K | 0.18% | 3.13% | 0.14% | 933 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.6M | $6.1M | $3.3M | $553K | $-3K | -0.08% | 2.84% | 0.01% | 901 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.6% | 80.6% | 86th |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Fayette, PA, ranked 16th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, PA | 2 | $3.4M* | 0.11% | 16th |
| Salt Lake, UT | 1 | $1.7M* | 0.00% | 137th |
Pennsylvania: 409th with 0.00% · Utah: 168th with 0.00% · Pittsburgh metro: 133rd, 0.00% · Salt Lake City-Murray metro: 137th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3