| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.9% | -4.4 pts |
| Share growth (YoY) | -1.3% | +3.3% | -4.6 pts |
| Loan growth (YoY) | +2.5% | +2.9% | -0.5 pts |
| ROA | 0.38% | 0.69% | -0.3 pts |
| ROE | 4.7% | 5.9% | -1.3 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $324.4M | $297.1M | $234.5M | $26.6M | $309K | 0.38% | 3.30% | 0.41% | 22,500 |
| Q4 2025 | $318.4M | $291.2M | $233.5M | $26.2M | $1.2M | 0.38% | 3.23% | 0.50% | 23,310 |
| Q3 2025 | $314.4M | $287.5M | $232.4M | $25.9M | $894K | 0.38% | 3.26% | 0.40% | 23,232 |
| Q2 2025 | $321.8M | $296.1M | $232.2M | $25.4M | $399K | 0.25% | 3.12% | 0.62% | 23,153 |
| Q1 2025 | $325.9M | $301.0M | $228.9M | $25.2M | $142K | 0.17% | 3.02% | 0.59% | 23,011 |
| Q4 2024 | $318.4M | $293.6M | $223.4M | $25.0M | $497K | 0.16% | 2.85% | 0.44% | 23,338 |
| Q3 2024 | $310.3M | $285.0M | $221.1M | $25.1M | $527K | 0.23% | 2.89% | 0.38% | 23,213 |
| Q2 2024 | $308.9M | $285.2M | $220.8M | $24.8M | $287K | 0.19% | 2.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 23,061 |
Loan mix (Q1 2026): real estate $114.0M · commercial $20.9M · consumer $94.1M · securities $41.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.7% | 65th |
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.
2 branches in 1 county across 1 state (-1 vs 2024). Biggest market: Berks, PA, ranked 16th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berks, PA | 2 | $296.1M* | 1.20% | 16th |
Pennsylvania: 133rd with 0.05% · Reading metro: 16th, 1.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 2