| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -0.5% | -2.6% | +2.2 pts |
| ROA | 0.36% | 0.65% | -0.3 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.5M | $11.6M | $10.6M | $1.8M | $24K | 0.36% | 3.45% | 4.15% | 1,407 |
| Q1 2026 | $14.3M | $12.4M | $10.4M | $1.8M | $10K | 0.29% | 3.02% | 2.88% | 1,402 |
| Q4 2025 | $14.0M | $12.1M | $10.6M | $1.8M | $100K | 0.72% | 3.26% | 2.14% | 1,409 |
| Q3 2025 | $14.0M | $12.1M | $10.8M | $1.8M | $77K | 0.74% | 3.31% | 2.12% | 1,433 |
| Q2 2025 | $13.8M | $12.0M | $10.7M | $1.7M | $59K | 0.85% | 3.31% | 2.97% | 1,427 |
| Q1 2025 | $13.4M | $11.6M | $10.6M | $1.7M | $31K | 0.91% | 3.40% | 3.11% | 1,440 |
| Q4 2024 | $13.2M | $11.4M | $10.5M | $1.7M | $117K | 0.89% | 3.59% | 2.69% | 1,421 |
| Q3 2024 | $13.5M | $11.8M | $10.6M | $1.7M | $98K | 0.97% | 3.72% | 2.36% |
| Ratio | P C Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,429 |
| Q2 2024 | $13.4M | $11.7M | $10.8M | $1.6M | $48K | 0.71% | 3.52% | 2.25% | 1,428 |
Loan mix (Q2 2026): real estate $394K · commercial $0 · consumer $7.5M · securities $561K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 80.6% | 66th |
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 | P C Federal Credit Union | 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 | P C Federal Credit Union | 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 | P C Federal Credit Union | 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 | P C Federal Credit Union | 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 | P C Federal Credit Union | 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: McKean, PA, ranked 8th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McKean, PA | 2 | $11.6M* | 1.09% | 8th |
Pennsylvania: 360th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2