| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.8 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.1 pts |
| Loan growth (YoY) | -7.3% | -2.6% | -4.7 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 4.3% | 4.4% | -0.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.7M | $49.3M | $17.9M | $9.1M | $196K | 0.67% | 2.80% | 1.01% | 4,018 |
| Q1 2026 | $58.1M | $48.9M | $17.8M | $9.0M | $94K | 0.65% | 2.76% | 0.81% | 4,044 |
| Q4 2025 | $56.1M | $47.0M | $18.2M | $8.9M | $407K | 0.73% | 2.78% | 1.09% | 4,053 |
| Q3 2025 | $55.8M | $46.8M | $18.7M | $8.9M | $333K | 0.80% | 2.78% | 1.78% | 4,079 |
| Q2 2025 | $56.4M | $47.3M | $19.3M | $8.7M | $208K | 0.74% | 2.72% | 0.81% | 4,069 |
| Q1 2025 | $56.5M | $47.6M | $19.3M | $8.7M | $121K | 0.85% | 2.65% | 0.88% | 4,088 |
| Q4 2024 | $54.7M | $45.9M | $19.4M | $8.5M | $293K | 0.54% | 2.40% | 1.79% | 4,096 |
| Q3 2024 | $53.7M | $45.0M | $19.9M | $8.5M | $201K | 0.50% | 2.42% | 1.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,087 |
| Q2 2024 | $54.0M | $45.5M | $20.2M | $8.4M | $109K | 0.40% | 2.31% | 0.92% | 4,084 |
Loan mix (Q2 2026): real estate $4.1M · commercial $0 · consumer $13.8M · securities $32.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 80.6% | 43rd |
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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Mercer, PA, ranked 12th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mercer, PA | 2 | $32.8M* | 1.05% | 12th |
| Venango, PA | 1 | $16.4M* | 1.43% | 12th |
Pennsylvania: 268th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3