| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.7% | +1.3% | -9.0 pts |
| Share growth (YoY) | -12.0% | +0.9% | -13.0 pts |
| Loan growth (YoY) | -68.4% | -2.6% | -65.8 pts |
| ROA | 0.74% | 0.65% | +0.1 pts |
| ROE | 1.9% | 4.4% | -2.5 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191K | $114K | $1K | $76K | $707 | 0.74% | 3.62% | 0.00% | 74 |
| Q1 2026 | $203K | $127K | $1K | $76K | $385 | 0.76% | 3.33% | 0.00% | 74 |
| Q4 2025 | $197K | $121K | $2K | $76K | $9 | 0.00% | 2.63% | 0.00% | 74 |
| Q3 2025 | $212K | $135K | $2K | $77K | $1K | 0.78% | 3.15% | 0.00% | 75 |
| Q2 2025 | $207K | $130K | $4K | $77K | $1K | 0.99% | 3.25% | 0.00% | 74 |
| Q1 2025 | $204K | $127K | $6K | $76K | $435 | 0.85% | 3.23% | 0.00% | 74 |
| Q4 2024 | $197K | $121K | $7K | $76K | $244 | 0.12% | 2.50% | 4.65% | 75 |
| Q3 2024 | $214K | $137K | $7K | $77K | $2K | 1.20% | 3.35% | 5.71% | 75 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $215K |
| $139K |
| $9K |
| $77K |
| $1K |
| 1.32% |
| 3.37% |
| 5.50% |
| 76 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1K · securities $176K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 80.6% | 49th |
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 2 states (+2 vs 2025). Biggest market: Philadelphia, PA, ranked 65th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Philadelphia, PA | 2 | $76K* | 0.00% | 65th |
| Fairfax (City), VA | 1 | $38K* | 0.00% | 44th |
Pennsylvania: 443rd with 0.00% · Virginia: 250th with 0.00% · Philadelphia-Camden-Wilmington metro: 172nd, 0.00% · Washington-Arlington-Alexandria metro: 185th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3