| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -5.0% | +0.9% | -5.9 pts |
| Loan growth (YoY) | -15.2% | -2.6% | -12.5 pts |
| ROA | 0.81% | 0.65% | +0.2 pts |
| ROE | 5.2% | 4.4% | +0.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.2M | $6.0M | $3.0M | $1.1M | $29K | 0.81% | 3.48% | 1.70% | 668 |
| Q1 2026 | $7.3M | $6.1M | $3.2M | $1.1M | $12K | 0.68% | 3.34% | 2.57% | 672 |
| Q4 2025 | $7.2M | $6.0M | $3.3M | $1.1M | $74K | 1.03% | 3.36% | 2.36% | 674 |
| Q3 2025 | $7.2M | $6.1M | $3.4M | $1.1M | $48K | 0.88% | 3.47% | 0.62% | 677 |
| Q2 2025 | $7.4M | $6.3M | $3.6M | $1.1M | $3K | 0.07% | 2.56% | 0.61% | 680 |
| Q1 2025 | $7.4M | $6.3M | $3.4M | $1.1M | $-3K | -0.17% | 2.09% | 1.56% | 693 |
| Q4 2024 | $7.5M | $6.4M | $3.3M | $1.0M | $13K | 0.17% | 2.52% | 3.11% | 698 |
| Q3 2024 | $7.5M | $6.4M | $3.3M | $1.0M | $-1K | -0.02% | 2.45% | 0.91% | 697 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.6M | $6.5M | $3.1M | $1.0M | $-15K | -0.40% | 2.14% | 1.61% | 688 |
Loan mix (Q2 2026): real estate $7K · commercial $0 · consumer $2.9M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 80.6% | 41st |
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: Luzerne, PA, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Luzerne, PA | 1 | $6.0M* | 0.07% | 30th |
Pennsylvania: 391st with 0.00% · Scranton--Wilkes-Barre metro: 40th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1