| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.2% | +1.3% | -10.4 pts |
| Share growth (YoY) | -13.7% | +0.9% | -14.6 pts |
| Loan growth (YoY) | -4.2% | -2.6% | -1.6 pts |
| ROA | 0.18% | 0.65% | -0.5 pts |
| ROE | 0.8% | 4.4% | -3.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.7M | $5.9M | $4.3M | $1.7M | $7K | 0.18% | 4.71% | 3.95% | 947 |
| Q1 2026 | $7.8M | $6.1M | $4.5M | $1.7M | $7K | 0.36% | 4.40% | 0.81% | 954 |
| Q4 2025 | $7.9M | $6.0M | $4.7M | $1.7M | $99K | 1.26% | 5.09% | 5.19% | 949 |
| Q3 2025 | $8.1M | $6.2M | $4.6M | $1.7M | $56K | 0.93% | 4.91% | 3.16% | 955 |
| Q2 2025 | $8.5M | $6.8M | $4.5M | $1.7M | $-40K | -0.95% | 4.63% | 2.65% | 966 |
| Q1 2025 | $8.5M | $6.8M | $4.6M | $1.7M | $-64K | -3.03% | 4.57% | 2.56% | 987 |
| Q4 2024 | $8.6M | $6.9M | $4.9M | $1.6M | $23K | 0.26% | 4.59% | 3.09% | 991 |
| Q3 2024 | $8.7M | $6.9M | $4.9M | $1.7M | $14K | 0.22% | 4.50% | 5.27% | 958 |
| Ratio | Ure Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.2M | $7.5M | $4.9M | $1.7M | $24K | 0.52% | 4.34% | 2.16% | 995 |
Loan mix (Q2 2026): real estate $69K · commercial $0 · consumer $4.2M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 80.6% | 83rd |
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 | Ure Federal Credit Union | 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 | Ure Federal Credit Union | 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 | Ure Federal Credit Union | 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 | Ure Federal Credit Union | 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 | Ure Federal Credit Union | 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 1 county across 1 state (+0 vs 2025). Biggest market: Allegheny, PA, ranked 66th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 2 | $5.9M* | 0.00% | 66th |
Pennsylvania: 392nd with 0.00% · Pittsburgh metro: 126th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2