| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.6 pts |
| Loan growth (YoY) | +15.4% | -2.6% | +18.0 pts |
| ROA | 1.12% | 0.65% | +0.5 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.2M | $24.0M | $6.2M | $5.1M | $164K | 1.12% | 3.42% | 2.04% | 3,118 |
| Q1 2026 | $28.6M | $23.5M | $6.1M | $5.0M | $73K | 1.02% | 3.19% | 2.38% | 3,073 |
| Q4 2025 | $28.0M | $23.0M | $6.5M | $5.0M | $162K | 0.58% | 2.62% | 2.29% | 3,048 |
| Q3 2025 | $28.4M | $23.1M | $6.3M | $5.2M | $407K | 1.91% | 3.70% | 0.52% | 3,057 |
| Q2 2025 | $28.2M | $23.2M | $5.3M | $5.0M | $219K | 1.55% | 3.52% | 0.44% | 3,047 |
| Q1 2025 | $28.4M | $23.4M | $5.3M | $4.9M | $126K | 1.77% | 3.56% | 1.33% | 3,024 |
| Q4 2024 | $27.8M | $23.0M | $5.2M | $4.8M | $221K | 0.79% | 2.92% | 1.74% | 3,011 |
| Q3 2024 | $28.2M | $23.3M | $5.4M | $4.9M | $359K | 1.70% | 3.43% | 2.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,986 |
| Q2 2024 | $28.7M | $24.0M | $4.9M | $4.7M | $120K | 0.83% | 3.05% | 2.10% | 2,957 |
Loan mix (Q2 2026): real estate $16K · commercial $0 · consumer $6.0M · securities $21.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 80.6% | 6th |
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 2025). Biggest market: Allegheny, PA, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 1 | $24.0M* | 0.01% | 50th |
Pennsylvania: 318th with 0.00% · Pittsburgh metro: 91st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1