| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +2.0% | +0.9% | +1.0 pts |
| Loan growth (YoY) | -13.5% | -2.6% | -10.8 pts |
| ROA | 1.10% | 0.65% | +0.4 pts |
| ROE | 5.3% | 4.4% | +0.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.2M | $6.5M | $1.9M | $1.7M | $45K | 1.10% | 3.98% | 2.05% | 1,089 |
| Q1 2026 | $8.5M | $6.8M | $2.0M | $1.7M | $17K | 0.79% | 3.79% | 0.39% | 1,095 |
| Q4 2025 | $8.3M | $6.6M | $2.0M | $1.7M | $89K | 1.08% | 3.88% | 0.40% | 1,105 |
| Q3 2025 | $7.9M | $6.2M | $2.1M | $1.6M | $70K | 1.18% | 4.08% | 1.55% | 1,118 |
| Q2 2025 | $8.0M | $6.3M | $2.2M | $1.6M | $43K | 1.07% | 4.04% | 1.77% | 1,124 |
| Q1 2025 | $7.7M | $6.1M | $2.3M | $1.6M | $18K | 0.93% | 4.16% | 0.33% | 1,160 |
| Q4 2024 | $7.6M | $6.1M | $2.3M | $1.6M | $114K | 1.49% | 4.32% | 0.10% | 1,141 |
| Q3 2024 | $7.5M | $5.9M | $2.4M | $1.5M | $91K | 1.63% | 4.53% | 0.54% | 1,156 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.8M | $6.3M | $2.5M | $1.5M | $62K | 1.59% | 4.25% | 0.00% | 1,160 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 80.6% | 20th |
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: Erie, PA, ranked 23rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, PA | 1 | $6.5M* | 0.07% | 23rd |
Pennsylvania: 383rd with 0.00% · Erie metro: 23rd, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1