| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -1.2% | +0.9% | -2.2 pts |
| Loan growth (YoY) | +1.0% | -2.6% | +3.6 pts |
| ROA | 0.30% | 0.65% | -0.4 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.6M | $16.6M | $10.7M | $1.9M | $27K | 0.30% | 4.53% | 1.07% | 2,267 |
| Q1 2026 | $18.4M | $16.5M | $10.5M | $1.9M | $15K | 0.32% | 4.41% | 1.04% | 2,253 |
| Q4 2025 | $18.2M | $16.2M | $10.5M | $1.9M | $65K | 0.36% | 4.07% | 1.57% | 2,255 |
| Q3 2025 | $18.6M | $16.7M | $10.4M | $1.9M | $57K | 0.41% | 3.87% | 1.55% | 2,247 |
| Q2 2025 | $18.7M | $16.8M | $10.6M | $1.9M | $49K | 0.53% | 3.78% | 1.92% | 2,245 |
| Q1 2025 | $19.1M | $17.2M | $10.5M | $1.9M | $13K | 0.28% | 3.51% | 1.81% | 2,235 |
| Q4 2024 | $17.8M | $15.9M | $10.6M | $1.8M | $66K | 0.37% | 3.76% | 1.81% | 2,216 |
| Q3 2024 | $17.4M | $15.6M | $10.6M | $1.8M | $51K | 0.39% | 3.74% | 2.30% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,222 |
| Q2 2024 | $17.6M | $15.8M | $10.5M | $1.8M | $18K | 0.21% | 3.58% | 1.36% | 2,214 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $8.6M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 80.6% | 64th |
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: Westmoreland, PA, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 2 | $11.1M* | 0.10% | 37th |
| Erie, NY | 1 | $5.5M* | 0.01% | 77th |
Pennsylvania: 362nd with 0.00% · New York: 423rd with 0.00% · Pittsburgh metro: 115th, 0.01% · Buffalo-Cheektowaga metro: 85th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3