| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.3% | +0.7% | -1.0 pts |
| Loan growth (YoY) | -9.9% | -2.4% | -7.5 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.9M | $37.9M | $14.4M | $6.9M | $96K | 0.86% | 4.19% | 8.48% | 3,227 |
| Q4 2025 | $44.6M | $37.6M | $15.4M | $6.8M | $506K | 1.14% | 4.15% | 5.95% | 3,283 |
| Q3 2025 | $44.2M | $37.3M | $15.6M | $6.7M | $403K | 1.22% | 4.19% | 7.25% | 3,316 |
| Q2 2025 | $45.4M | $38.6M | $15.9M | $6.6M | $300K | 1.32% | 4.08% | 6.96% | 3,305 |
| Q1 2025 | $44.6M | $38.0M | $15.9M | $6.4M | $136K | 1.22% | 4.08% | 5.48% | 3,310 |
| Q4 2024 | $43.9M | $37.3M | $16.1M | $6.3M | $334K | 0.76% | 4.49% | 5.61% | 3,317 |
| Q3 2024 | $44.6M | $38.0M | $16.6M | $6.3M | $372K | 1.11% | 4.44% | 5.97% | 3,364 |
| Q2 2024 | $45.0M | $38.6M | $17.2M | $6.2M | $243K | 1.08% | 4.36% | 5.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,336 |
Loan mix (Q1 2026): real estate $7.9M · commercial $0 · consumer $6.3M · securities $23.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 81.5% | 31st |
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 2024). Biggest market: Allegheny, PA, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 1 | $38.6M* | 0.02% | 39th |
Pennsylvania: 287th with 0.01% · Pittsburgh metro: 77th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1