| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.8 pts |
| Loan growth (YoY) | -8.2% | -2.4% | -5.9 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.4M | $16.4M | $6.1M | $3.9M | $12K | 0.24% | 3.36% | 0.62% | 2,202 |
| Q4 2025 | $20.0M | $16.0M | $6.3M | $3.9M | $175K | 0.88% | 3.58% | 0.58% | 2,224 |
| Q3 2025 | $20.3M | $16.3M | $6.6M | $3.9M | $133K | 0.88% | 3.56% | 1.24% | 2,238 |
| Q2 2025 | $20.9M | $17.1M | $6.9M | $3.8M | $66K | 0.63% | 3.45% | 1.34% | 2,325 |
| Q1 2025 | $20.9M | $17.1M | $6.6M | $3.8M | $35K | 0.68% | 3.39% | 2.23% | 2,325 |
| Q4 2024 | $20.7M | $16.8M | $7.1M | $3.8M | $140K | 0.68% | 3.12% | 1.78% | 2,351 |
| Q3 2024 | $20.3M | $16.5M | $7.4M | $3.7M | $98K | 0.65% | 3.12% | 1.79% | 2,360 |
| Q2 2024 | $20.7M | $17.0M | $7.4M | $3.7M | $53K | 0.51% | 2.96% | 1.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,424 |
Loan mix (Q1 2026): real estate $775K · commercial $0 · consumer $5.2M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 81.5% | 73rd |
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 1 state (+0 vs 2024). Biggest market: Erie, PA, ranked 17th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, PA | 2 | $11.4M* | 0.14% | 17th |
| Allegheny, PA | 1 | $5.7M* | 0.00% | 70th |
Pennsylvania: 339th with 0.00% · Erie metro: 17th, 0.14% · Pittsburgh metro: 132nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3