| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.2% | +1.3% | -11.5 pts |
| Share growth (YoY) | -11.7% | +0.9% | -12.6 pts |
| Loan growth (YoY) | -18.8% | -2.6% | -16.2 pts |
| ROA | 1.01% | 0.65% | +0.4 pts |
| ROE | 6.5% | 4.4% | +2.1 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $744K | $628K | $592K | $116K | $4K | 1.01% | 5.10% | 0.00% | 863 |
| Q1 2026 | $793K | $679K | $638K | $113K | $2K | 0.80% | 4.71% | 0.00% | 866 |
| Q4 2025 | $799K | $687K | $617K | $112K | $0 | 0.00% | 5.14% | 0.00% | 868 |
| Q3 2025 | $805K | $685K | $674K | $119K | $8K | 1.28% | 5.44% | 0.00% | 868 |
| Q2 2025 | $828K | $711K | $729K | $117K | $5K | 1.20% | 5.35% | 0.00% | 869 |
| Q1 2025 | $889K | $774K | $785K | $115K | $3K | 1.33% | 5.22% | 0.00% | 880 |
| Q4 2024 | $881K | $769K | $819K | $112K | $11K | 1.20% | 5.28% | 0.00% | 885 |
| Q3 2024 | $972K | $778K | $886K | $123K | $11K | 1.51% | 5.17% | 0.00% | 902 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.0M |
| $908K |
| $952K |
| $120K |
| $7K |
| 1.42% |
| 5.02% |
| 0.00% |
| 904 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $592K · securities $6K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Chester, PA, ranked 38th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chester, PA | 1 | $628K* | 0.00% | 38th |
Pennsylvania: 436th with 0.00% · Philadelphia-Camden-Wilmington metro: 163rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1