| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +1.3% | -9.5 pts |
| Share growth (YoY) | -9.5% | +0.9% | -10.4 pts |
| Loan growth (YoY) | -14.1% | -2.6% | -11.4 pts |
| ROA | 0.07% | 0.65% | -0.6 pts |
| ROE | 0.5% | 4.4% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.4M | $3.0M | $1.4M | $441K | $1K | 0.07% | 4.53% | 0.28% | 905 |
| Q1 2026 | $3.5M | $3.0M | $1.4M | $442K | $3K | 0.32% | 4.38% | 0.30% | 903 |
| Q4 2025 | $3.5M | $3.0M | $1.5M | $439K | $14K | 0.39% | 4.94% | 0.48% | 903 |
| Q3 2025 | $3.5M | $3.0M | $1.6M | $436K | $10K | 0.39% | 4.91% | 0.30% | 898 |
| Q2 2025 | $3.7M | $3.3M | $1.6M | $433K | $7K | 0.36% | 4.72% | 0.00% | 901 |
| Q1 2025 | $3.7M | $3.2M | $1.7M | $431K | $5K | 0.56% | 4.55% | 0.27% | 906 |
| Q4 2024 | $3.6M | $3.2M | $1.8M | $426K | $30K | 0.83% | 4.88% | 0.00% | 896 |
| Q3 2024 | $3.7M | $3.2M | $1.9M | $422K | $26K | 0.96% | 4.78% | 0.11% | 888 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.1M |
| $3.7M |
| $1.8M |
| $413K |
| $17K |
| 0.84% |
| 4.26% |
| 0.00% |
| 877 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.5% | 80.6% | 85th |
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: Monroe, PA, ranked 18th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, PA | 1 | $3.0M* | 0.06% | 18th |
Pennsylvania: 415th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1