| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.0% | +0.9% | +2.1 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.0 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 5.8% | 4.4% | +1.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.6M | $3.1M | $2.3M | $541K | $16K | 0.87% | 5.66% | 0.85% | 843 |
| Q1 2026 | $3.6M | $3.1M | $2.3M | $535K | $10K | 1.06% | 5.87% | 0.13% | 854 |
| Q4 2025 | $3.6M | $3.1M | $2.4M | $526K | $3K | 0.07% | 5.30% | 0.58% | 921 |
| Q3 2025 | $3.6M | $3.0M | $2.4M | $531K | $8K | 0.31% | 5.36% | 2.72% | 925 |
| Q2 2025 | $3.5M | $3.0M | $2.3M | $522K | $-826 | -0.05% | 5.34% | 0.77% | 929 |
| Q1 2025 | $3.5M | $3.0M | $2.4M | $527K | $4K | 0.42% | 5.21% | 2.37% | 929 |
| Q4 2024 | $3.6M | $3.0M | $2.4M | $523K | $3K | 0.07% | 4.75% | 1.82% | 936 |
| Q3 2024 | $3.6M | $3.0M | $2.4M | $536K | $16K | 0.59% | 4.94% | 3.17% | 939 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.8M |
| $3.1M |
| $2.4M |
| $535K |
| $14K |
| 0.75% |
| 4.74% |
| 0.00% |
| 977 |
Loan mix (Q2 2026): real estate $8K · commercial $13K · consumer $2.1M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 80.6% | 55th |
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: Luzerne, PA, ranked 34th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Luzerne, PA | 1 | $3.1M* | 0.03% | 34th |
Pennsylvania: 413th with 0.00% · Scranton--Wilkes-Barre metro: 43rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1