| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.6% | +0.9% | +0.7 pts |
| Loan growth (YoY) | -6.5% | -2.6% | -3.9 pts |
| ROA | 1.12% | 0.65% | +0.5 pts |
| ROE | 9.1% | 4.4% | +4.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.9M | $15.7M | $4.5M | $2.2M | $100K | 1.12% | 3.88% | 0.86% | 1,632 |
| Q1 2026 | $18.0M | $15.9M | $4.5M | $2.1M | $52K | 1.15% | 3.81% | 0.33% | 1,655 |
| Q4 2025 | $16.9M | $14.8M | $4.8M | $2.1M | $135K | 0.79% | 3.55% | 0.25% | 1,670 |
| Q3 2025 | $16.9M | $14.8M | $4.7M | $2.1M | $143K | 1.13% | 3.78% | 0.76% | 1,697 |
| Q2 2025 | $17.5M | $15.4M | $4.8M | $2.0M | $86K | 0.98% | 3.52% | 0.47% | 1,714 |
| Q1 2025 | $17.3M | $15.3M | $4.7M | $2.0M | $46K | 1.06% | 3.46% | 0.31% | 1,738 |
| Q4 2024 | $16.4M | $14.4M | $4.9M | $1.9M | $66K | 0.41% | 3.25% | 0.97% | 1,748 |
| Q3 2024 | $16.8M | $14.9M | $4.9M | $2.0M | $-186K | -1.47% | 3.36% | 0.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,785 |
| Q2 2024 | $18.2M | $16.3M | $5.0M | $1.9M | $64K | 0.70% | 3.09% | 0.24% | 1,814 |
Loan mix (Q2 2026): real estate $2.3M · commercial $0 · consumer $2.0M · securities $11.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 80.6% | 37th |
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 2025). Biggest market: Erie, PA, ranked 16th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, PA | 2 | $15.7M* | 0.17% | 16th |
Pennsylvania: 345th with 0.00% · Erie metro: 16th, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2