| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -5.8% | +0.9% | -6.7 pts |
| Loan growth (YoY) | -15.8% | -2.6% | -13.2 pts |
| ROA | -1.93% | 0.65% | -2.6 pts |
| ROE | -19.5% | 4.4% | -23.9 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.6M | $13.1M | $5.1M | $1.4M | $-141K | -1.93% | 4.63% | 2.00% | 5,058 |
| Q1 2026 | $14.6M | $13.0M | $5.4M | $1.5M | $-57K | -1.56% | 4.69% | 1.90% | 3,600 |
| Q4 2025 | $14.5M | $13.0M | $5.9M | $1.6M | $-441K | -3.05% | 4.57% | 1.82% | 3,654 |
| Q3 2025 | $15.1M | $13.4M | $6.3M | $1.7M | $-358K | -3.16% | 4.23% | 1.12% | 3,256 |
| Q2 2025 | $15.7M | $14.0M | $6.0M | $1.7M | $-361K | -4.62% | 3.85% | 1.42% | 3,710 |
| Q1 2025 | $16.1M | $14.1M | $6.1M | $2.0M | $-84K | -2.10% | 3.92% | 1.50% | 3,791 |
| Q4 2024 | $16.0M | $14.0M | $6.3M | $2.1M | $-457K | -2.85% | 4.42% | 2.23% | 3,852 |
| Q3 2024 | $16.3M | $14.2M | $6.3M | $2.1M | $-443K | -3.63% | 4.45% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.93% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -19.5% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,901 |
| Q2 2024 | $17.2M | $15.1M | $6.5M | $2.2M | $-380K | -4.42% | 4.21% | 2.65% | 3,929 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.9M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 118.4% | 80.6% | 95th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Erie, NY, ranked 73rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $6.6M* | 0.01% | 73rd |
| Philadelphia, PA | 1 | $6.6M* | 0.01% | 54th |
Pennsylvania: 381st with 0.00% · New York: 414th with 0.00% · Philadelphia-Camden-Wilmington metro: 147th, 0.00% · Buffalo-Cheektowaga metro: 81st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 2