| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +3.0% | +0.9% | +2.1 pts |
| Loan growth (YoY) | +0.8% | -2.6% | +3.4 pts |
| ROA | 0.41% | 0.65% | -0.2 pts |
| ROE | 3.3% | 4.4% | -1.1 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.9M | $23.5M | $17.3M | $3.4M | $56K | 0.41% | 2.98% | 0.15% | 1,732 |
| Q1 2026 | $28.0M | $24.6M | $17.4M | $3.3M | $28K | 0.40% | 2.79% | 0.15% | 1,719 |
| Q4 2025 | $27.4M | $24.0M | $16.8M | $3.3M | $67K | 0.24% | 2.57% | 0.38% | 1,716 |
| Q3 2025 | $26.1M | $22.8M | $17.6M | $3.3M | $37K | 0.19% | 2.59% | 0.13% | 1,708 |
| Q2 2025 | $26.1M | $22.9M | $17.2M | $3.2M | $-2K | -0.02% | 2.43% | 0.00% | 1,699 |
| Q1 2025 | $25.9M | $22.5M | $16.9M | $3.2M | $4K | 0.06% | 2.31% | 0.01% | 1,695 |
| Q4 2024 | $25.4M | $22.1M | $16.6M | $3.2M | $-556 | -0.00% | 2.30% | 0.00% | 1,683 |
| Q3 2024 | $25.9M | $22.6M | $16.8M | $3.2M | $286 | 0.00% | 2.23% | 0.13% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,668 |
| Q2 2024 | $25.5M | $22.2M | $16.9M | $3.2M | $-9K | -0.07% | 2.25% | 0.00% | 1,659 |
Loan mix (Q2 2026): real estate $9.5M · commercial $614K · consumer $6.7M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 80.6% | 57th |
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: Lancaster, PA, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lancaster, PA | 1 | $23.5M* | 0.10% | 33rd |
Pennsylvania: 320th with 0.00% · Lancaster metro: 33rd, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 1 · 2026 1