| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.3% | +1.3% | +12.0 pts |
| Share growth (YoY) | +13.1% | +0.9% | +12.1 pts |
| Loan growth (YoY) | +25.3% | -2.6% | +27.9 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 12.6% | 4.4% | +8.3 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.5M | $41.4M | $29.8M | $3.2M | $202K | 0.91% | 3.88% | 0.86% | 3,207 |
| Q1 2026 | $44.3M | $41.3M | $28.0M | $3.1M | $121K | 1.09% | 3.71% | 0.90% | 3,175 |
| Q4 2025 | $41.2M | $38.3M | $26.7M | $3.0M | $153K | 0.37% | 3.44% | 1.36% | 3,151 |
| Q3 2025 | $40.2M | $37.2M | $25.7M | $3.1M | $201K | 0.67% | 3.39% | 0.91% | 3,144 |
| Q2 2025 | $39.3M | $36.6M | $23.8M | $3.0M | $113K | 0.57% | 3.28% | 0.72% | 3,096 |
| Q1 2025 | $39.0M | $36.3M | $22.1M | $2.9M | $32K | 0.33% | 3.23% | 0.97% | 3,019 |
| Q4 2024 | $38.4M | $35.7M | $21.7M | $2.9M | $61K | 0.16% | 2.93% | 0.78% | 2,635 |
| Q3 2024 | $38.8M | $36.1M | $21.0M | $2.9M | $67K | 0.23% | 2.96% | 0.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,619 |
| Q2 2024 | $37.8M | $35.1M | $20.9M | $2.9M | $53K | 0.28% | 2.94% | 1.03% | 2,616 |
Loan mix (Q2 2026): real estate $12.6M · commercial $5.2M · consumer $9.9M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 80.6% | 45th |
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: Beaver, PA, ranked 12th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaver, PA | 1 | $41.4M* | 1.08% | 12th |
Pennsylvania: 280th with 0.01% · Pittsburgh metro: 77th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1