| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +3.9% | +4.8 pts |
| Share growth (YoY) | +9.1% | +3.3% | +5.8 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.2 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 7.1% | 5.9% | +1.2 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $100.5M | $89.8M | $56.5M | $10.2M | $182K | 0.72% | 3.43% | 0.70% | 9,325 |
| Q4 2025 | $94.9M | $84.4M | $56.9M | $10.0M | $761K | 0.80% | 3.65% | 0.81% | 9,259 |
| Q3 2025 | $92.9M | $83.0M | $57.4M | $9.9M | $601K | 0.86% | 3.70% | 0.59% | 9,265 |
| Q2 2025 | $93.8M | $83.5M | $57.4M | $9.7M | $432K | 0.92% | 3.62% | 0.94% | 9,271 |
| Q1 2025 | $92.5M | $82.4M | $57.2M | $9.5M | $222K | 0.96% | 3.64% | 0.52% | 9,257 |
| Q4 2024 | $89.2M | $79.2M | $56.2M | $9.3M | $741K | 0.83% | 3.90% | 1.03% | 9,564 |
| Q3 2024 | $88.9M | $79.1M | $58.1M | $9.2M | $632K | 0.95% | 3.89% | 1.11% | 9,314 |
| Q2 2024 | $87.6M | $78.0M | $60.3M | $8.9M | $385K | 0.88% | 3.83% | 0.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 9,315 |
Loan mix (Q1 2026): real estate $13.7M · commercial $118K · consumer $41.2M · securities $23.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.7% | 59th |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Centre, PA, ranked 19th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Centre, PA | 2 | $41.8M* | 0.81% | 19th |
| Clearfield, PA | 2 | $41.8M* | 1.47% | 8th |
Pennsylvania: 223rd with 0.01% · State College metro: 19th, 0.81% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4