| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -11.2% | +0.9% | -12.1 pts |
| Loan growth (YoY) | -19.9% | -2.6% | -17.2 pts |
| ROA | -0.55% | 0.65% | -1.2 pts |
| ROE | -2.8% | 4.4% | -7.2 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.6M | $5.2M | $2.2M | $1.3M | $-18K | -0.55% | 2.18% | 0.63% | 290 |
| Q1 2026 | $6.8M | $5.4M | $2.3M | $1.3M | $-4K | -0.25% | 2.03% | 0.65% | 296 |
| Q4 2025 | $7.1M | $5.7M | $2.4M | $1.3M | $-32K | -0.45% | 2.03% | 0.72% | 312 |
| Q3 2025 | $7.3M | $5.9M | $2.6M | $1.3M | $-15K | -0.28% | 2.01% | 0.92% | 319 |
| Q2 2025 | $7.2M | $5.8M | $2.7M | $1.3M | $-11K | -0.31% | 2.07% | 0.95% | 328 |
| Q1 2025 | $7.3M | $5.9M | $3.0M | $1.3M | $-3K | -0.16% | 1.93% | 2.49% | 329 |
| Q4 2024 | $7.0M | $5.6M | $2.6M | $1.3M | $-17K | -0.24% | 2.17% | 1.72% | 341 |
| Q3 2024 | $7.2M | $5.8M | $2.7M | $1.4M | $-10K | -0.19% | 2.10% | 8.46% | 355 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.55% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.6M | $6.2M | $2.7M | $1.4M | $-8K | -0.22% | 2.04% | 1.67% | 359 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $46K · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 124.3% | 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 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Philadelphia, PA | 2 | $5.2M* | 0.01% | 56th |
Pennsylvania: 397th with 0.00% · Philadelphia-Camden-Wilmington metro: 150th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2