| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -6.1% | +0.9% | -7.1 pts |
| Loan growth (YoY) | +1.3% | -2.6% | +4.0 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 8.8% | 4.4% | +4.4 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $1.5M | $804K | $138K | $6K | 0.67% | 6.31% | 0.28% | 2,149 |
| Q1 2026 | $1.9M | $1.6M | $839K | $134K | $3K | 0.64% | 6.27% | 0.21% | 2,081 |
| Q4 2025 | $1.8M | $1.5M | $853K | $131K | $12K | 0.63% | 6.43% | 0.09% | 2,169 |
| Q3 2025 | $1.9M | $1.6M | $820K | $129K | $10K | 0.67% | 6.17% | 0.20% | 2,159 |
| Q2 2025 | $1.9M | $1.6M | $794K | $127K | $7K | 0.77% | 6.41% | 0.12% | 2,174 |
| Q1 2025 | $1.9M | $1.6M | $809K | $123K | $3K | 0.69% | 6.35% | 0.12% | 2,174 |
| Q4 2024 | $1.9M | $1.6M | $853K | $120K | $20K | 1.03% | 6.71% | 2.67% | 2,196 |
| Q3 2024 | $1.9M | $1.6M | $842K | $116K | $16K | 1.12% | 6.82% | 0.77% | 2,216 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.9M | $1.7M | $841K | $107K | $7K | 0.74% | 6.56% | 0.00% | 2,243 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $804K · securities $855K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 80.6% | 73rd |
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: Philadelphia, PA, ranked 58th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Philadelphia, PA | 1 | $1.5M* | 0.00% | 58th |
Pennsylvania: 429th with 0.00% · Philadelphia-Camden-Wilmington metro: 159th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1