| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +9.1% | +0.7% | +8.5 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 1,668 |
| Q2 2024 | $25.5M | $22.2M | $16.9M | $3.2M | $-9K | -0.07% | 2.25% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,659 |
Loan mix (Q1 2026): real estate $9.3M · commercial $621K · consumer $7.1M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 81.5% | 62nd |
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 (-1 vs 2024). Biggest market: Lancaster, PA, ranked 29th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lancaster, PA | 1 | $22.9M* | 0.11% | 29th |
Pennsylvania: 321st with 0.00% · Lancaster metro: 29th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 1