| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.3 pts |
| Share growth (YoY) | +4.6% | +0.9% | +3.7 pts |
| Loan growth (YoY) | +4.0% | -2.6% | +6.6 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.4M | $7.1M | $5.5M | $1.2M | $27K | 0.64% | 5.44% | 0.12% | 2,708 |
| Q1 2026 | $8.7M | $7.5M | $5.5M | $1.1M | $-9K | -0.42% | 5.02% | 0.06% | 2,704 |
| Q4 2025 | $8.4M | $7.2M | $5.5M | $1.2M | $106K | 1.26% | 5.33% | 0.97% | 2,734 |
| Q3 2025 | $8.0M | $6.7M | $5.5M | $1.1M | $87K | 1.46% | 5.70% | 0.28% | 2,740 |
| Q2 2025 | $8.1M | $6.8M | $5.3M | $1.1M | $68K | 1.69% | 5.72% | 0.12% | 2,771 |
| Q1 2025 | $8.0M | $6.7M | $5.4M | $1.1M | $25K | 1.24% | 5.21% | 0.15% | 2,804 |
| Q4 2024 | $8.1M | $6.9M | $5.5M | $1.0M | $86K | 1.06% | 5.87% | 0.28% | 2,833 |
| Q3 2024 | $8.5M | $6.9M | $5.6M | $1.0M | $90K | 1.41% | 5.72% | 0.80% | 2,837 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.3M | $6.9M | $5.3M | $1.0M | $62K | 1.48% | 6.04% | 0.24% | 2,860 |
Loan mix (Q2 2026): real estate $3.0M · commercial $0 · consumer $2.5M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 80.6% | 50th |
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: Marion, IN, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IN | 1 | $3.6M* | 0.01% | 47th |
| Montgomery, PA | 1 | $3.6M* | 0.01% | 50th |
Pennsylvania: 407th with 0.00% · Indiana: 270th with 0.00% · Philadelphia-Camden-Wilmington metro: 156th, 0.00% · Indianapolis-Carmel-Greenwood metro: 77th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2