| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -4.7% | +0.9% | -5.6 pts |
| Loan growth (YoY) | -36.0% | -2.6% | -33.4 pts |
| ROA | 1.00% | 0.65% | +0.4 pts |
| ROE | 3.6% | 4.4% | -0.8 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.3M | $1.7M | $681K | $627K | $11K | 1.00% | 2.12% | 4.35% | 203 |
| Q1 2026 | $2.3M | $1.6M | $744K | $625K | $9K | 1.65% | 2.90% | 4.19% | 203 |
| Q4 2025 | $2.3M | $1.6M | $839K | $616K | $16K | 0.72% | 2.82% | 3.94% | 203 |
| Q3 2025 | $2.2M | $1.6M | $1.0M | $612K | $12K | 0.74% | 3.21% | 3.52% | 204 |
| Q2 2025 | $2.3M | $1.7M | $1.1M | $600K | $586 | 0.05% | 2.92% | 6.07% | 203 |
| Q1 2025 | $2.4M | $1.8M | $1.2M | $620K | $20K | 3.40% | 3.70% | 3.17% | 197 |
| Q4 2024 | $2.5M | $1.9M | $1.3M | $599K | $31K | 1.27% | 3.34% | 1.27% | 200 |
| Q3 2024 | $2.5M | $1.8M | $1.5M | $611K | $43K | 2.35% | 3.65% | 0.00% | 209 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.7M |
| $2.1M |
| $1.6M |
| $581K |
| $13K |
| 0.99% |
| 2.88% |
| 0.00% |
| 209 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $681K · securities $352K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 80.6% | 40th |
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: Allegheny, PA, ranked 77th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 1 | $1.7M* | 0.00% | 77th |
Pennsylvania: 428th with 0.00% · Pittsburgh metro: 148th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1