| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +7.0% | +0.7% | +6.3 pts |
| Loan growth (YoY) | -8.4% | -2.4% | -6.0 pts |
| ROA | 1.53% | 0.60% | +0.9 pts |
| ROE | 10.1% | 4.1% | +6.0 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $68.9M | $58.4M | $31.8M | $10.5M | $264K | 1.53% | 2.81% | 0.07% | 4,510 |
| Q4 2025 | $67.6M | $57.4M | $32.5M | $10.2M | $671K | 0.99% | 2.50% | 0.34% | 4,534 |
| Q3 2025 | $66.3M | $56.0M | $33.8M | $10.3M | $781K | 1.57% | 2.93% | 0.25% | 4,520 |
| Q2 2025 | $65.3M | $55.3M | $34.5M | $10.0M | $500K | 1.53% | 2.91% | 0.40% | 4,496 |
| Q1 2025 | $64.3M | $54.6M | $34.7M | $9.8M | $244K | 1.51% | 2.88% | 0.31% | 4,522 |
| Q4 2024 | $62.0M | $52.5M | $35.7M | $9.5M | $783K | 1.26% | 2.83% | 0.48% | 4,553 |
| Q3 2024 | $60.7M | $51.5M | $36.9M | $9.3M | $551K | 1.21% | 2.81% | 0.49% | 4,525 |
| Q2 2024 | $62.5M | $53.5M | $37.7M | $9.1M | $328K | 1.05% | 2.59% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,483 |
Loan mix (Q1 2026): real estate $16.5M · commercial $0 · consumer $14.9M · securities $24.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.5% | 81.5% | 4th |
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: Centre, PA, ranked 16th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Centre, PA | 1 | $55.3M* | 1.08% | 16th |
Pennsylvania: 257th with 0.01% · State College metro: 16th, 1.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1