| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +1.3% | -7.9 pts |
| Share growth (YoY) | -7.5% | +0.7% | -8.2 pts |
| Loan growth (YoY) | -7.0% | -2.4% | -4.6 pts |
| ROA | -0.12% | 0.60% | -0.7 pts |
| ROE | -1.2% | 4.1% | -5.3 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.0M | $17.1M | $6.0M | $1.9M | $-6K | -0.12% | 3.45% | 0.06% | 1,817 |
| Q4 2025 | $18.9M | $17.0M | $6.2M | $1.9M | $90K | 0.48% | 3.81% | 0.71% | 1,865 |
| Q3 2025 | $18.4M | $16.4M | $6.4M | $1.9M | $88K | 0.64% | 3.94% | 0.08% | 1,879 |
| Q2 2025 | $19.0M | $17.1M | $6.5M | $1.9M | $67K | 0.71% | 3.85% | 0.28% | 1,898 |
| Q1 2025 | $20.4M | $18.5M | $6.5M | $1.9M | $31K | 0.60% | 3.47% | 1.63% | 1,906 |
| Q4 2024 | $18.5M | $16.7M | $6.7M | $1.8M | $125K | 0.68% | 4.00% | 0.99% | 1,918 |
| Q3 2024 | $19.0M | $17.2M | $7.1M | $1.8M | $91K | 0.64% | 3.83% | 1.99% | 1,942 |
| Q2 2024 | $19.5M | $17.7M | $7.4M | $1.8M | $60K | 0.62% | 3.70% | 1.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.12% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,976 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $1.7M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.9% | 81.5% | 87th |
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 2024). Biggest market: Allegheny, PA, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 1 | $17.1M* | 0.01% | 55th |
Pennsylvania: 338th with 0.00% · Pittsburgh metro: 104th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1