| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -3.0% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -6.1% | -2.6% | -3.5 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.1M | $39.3M | $17.3M | $13.4M | $139K | 0.52% | 4.46% | 2.02% | 6,614 |
| Q1 2026 | $54.6M | $39.9M | $17.4M | $13.3M | $34K | 0.25% | 4.38% | 1.92% | 6,604 |
| Q4 2025 | $54.5M | $39.8M | $18.6M | $13.2M | $144K | 0.26% | 4.03% | 1.84% | 6,645 |
| Q3 2025 | $54.5M | $39.8M | $18.1M | $13.1M | $85K | 0.21% | 3.92% | 1.42% | 6,632 |
| Q2 2025 | $55.1M | $40.5M | $18.4M | $13.1M | $34K | 0.12% | 3.76% | 1.45% | 6,602 |
| Q1 2025 | $54.9M | $40.3M | $18.5M | $13.0M | $-7K | -0.05% | 3.67% | 1.56% | 6,631 |
| Q4 2024 | $56.0M | $41.4M | $19.2M | $13.0M | $-45K | -0.08% | 3.55% | 1.63% | 6,588 |
| Q3 2024 | $56.2M | $41.5M | $19.3M | $13.0M | $47K | 0.11% | 3.53% | 1.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,637 |
| Q2 2024 | $57.5M | $42.9M | $19.1M | $13.0M | $-33K | -0.11% | 3.42% | 1.86% | 6,792 |
Loan mix (Q2 2026): real estate $9.3M · commercial $0 · consumer $8.0M · securities $29.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 80.6% | 59th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Philadelphia, PA, ranked 44th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Philadelphia, PA | 2 | $39.3M* | 0.05% | 44th |
Pennsylvania: 285th with 0.01% · Philadelphia-Camden-Wilmington metro: 115th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2