| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.8 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.6 pts |
| ROA | 0.52% | 0.69% | -0.2 pts |
| ROE | 4.2% | 5.9% | -1.8 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $172.7M | $156.7M | $80.2M | $21.3M | $224K | 0.52% | 3.01% | 0.45% | 14,090 |
| Q4 2025 | $167.3M | $151.0M | $78.8M | $21.1M | $1.2M | 0.70% | 3.11% | 0.26% | 14,067 |
| Q3 2025 | $167.7M | $152.2M | $79.1M | $20.8M | $816K | 0.65% | 3.08% | 0.29% | 14,149 |
| Q2 2025 | $168.9M | $155.1M | $81.4M | $20.5M | $496K | 0.59% | 3.01% | 0.21% | 14,237 |
| Q1 2025 | $169.1M | $155.8M | $82.4M | $20.2M | $212K | 0.50% | 2.90% | 0.12% | 14,215 |
| Q4 2024 | $164.0M | $152.6M | $80.5M | $20.0M | $1.1M | 0.69% | 2.66% | 0.23% | 14,170 |
| Q3 2024 | $165.7M | $152.7M | $82.1M | $19.7M | $696K | 0.56% | 2.57% | 0.23% | 14,205 |
| Q2 2024 | $166.1M | $155.5M | $81.8M | $19.4M | $453K | 0.55% | 2.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.10% |
| 14,220 |
Loan mix (Q1 2026): real estate $9.9M · commercial $2.6M · consumer $65.6M · securities $72.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 78.7% | 76th |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Cambria, PA, ranked 9th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cambria, PA | 3 | $116.3M* | 2.62% | 9th |
| Somerset, PA | 1 | $38.8M* | 2.04% | 9th |
Pennsylvania: 177th with 0.02% · Johnstown metro: 9th, 2.62% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4