| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.2 pts |
| Loan growth (YoY) | -8.5% | -2.6% | -5.9 pts |
| ROA | 1.21% | 0.65% | +0.6 pts |
| ROE | 10.3% | 4.4% | +6.0 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.9M | $6.1M | $4.0M | $812K | $42K | 1.21% | 4.95% | 0.41% | 1,616 |
| Q1 2026 | $6.7M | $5.9M | $4.1M | $783K | $11K | 0.67% | 4.89% | 0.04% | 1,565 |
| Q4 2025 | $6.7M | $5.9M | $4.0M | $770K | $-95K | -1.42% | 5.22% | 0.20% | 1,568 |
| Q3 2025 | $6.8M | $5.9M | $4.0M | $799K | $-64K | -1.26% | 5.10% | 1.77% | 1,575 |
| Q2 2025 | $6.8M | $6.0M | $4.4M | $858K | $3K | 0.08% | 5.08% | 4.09% | 1,557 |
| Q1 2025 | $7.0M | $6.1M | $4.6M | $855K | $406 | 0.02% | 5.07% | 6.45% | 1,568 |
| Q4 2024 | $6.9M | $6.0M | $4.8M | $856K | $-29K | -0.42% | 4.82% | 8.24% | 1,580 |
| Q3 2024 | $7.0M | $6.1M | $5.0M | $905K | $20K | 0.38% | 4.63% | 7.90% | 1,587 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.0M | $6.1M | $5.2M | $898K | $13K | 0.38% | 4.43% | 8.80% | 1,584 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.6M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 80.6% | 35th |
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: Westmoreland, PA, ranked 41st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 1 | $6.1M* | 0.05% | 41st |
Pennsylvania: 388th with 0.00% · Pittsburgh metro: 124th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1