| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.0 pts |
| Loan growth (YoY) | -15.0% | -2.6% | -12.4 pts |
| ROA | 1.95% | 0.65% | +1.3 pts |
| ROE | 11.0% | 4.4% | +6.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.8M | $22.2M | $5.9M | $4.7M | $260K | 1.95% | 3.88% | 0.15% | 2,824 |
| Q1 2026 | $26.9M | $22.4M | $6.0M | $4.6M | $81K | 1.21% | 3.68% | 0.06% | 2,884 |
| Q4 2025 | $26.1M | $21.7M | $6.5M | $4.5M | $555K | 2.13% | 4.41% | 0.07% | 2,887 |
| Q3 2025 | $25.9M | $21.6M | $6.6M | $4.4M | $397K | 2.05% | 4.28% | 0.25% | 2,949 |
| Q2 2025 | $26.1M | $22.0M | $6.9M | $4.2M | $269K | 2.06% | 4.31% | 0.32% | 2,960 |
| Q1 2025 | $26.4M | $22.4M | $6.4M | $4.1M | $143K | 2.18% | 4.21% | 0.08% | 3,014 |
| Q4 2024 | $25.7M | $21.8M | $6.3M | $4.0M | $532K | 2.07% | 4.20% | 0.18% | 3,065 |
| Q3 2024 | $25.3M | $21.7M | $6.4M | $3.8M | $331K | 1.75% | 4.10% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,107 |
| Q2 2024 | $25.7M | $22.2M | $6.5M | $3.7M | $152K | 1.18% | 4.00% | 0.11% | 3,122 |
Loan mix (Q2 2026): real estate $896K · commercial $0 · consumer $4.9M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 80.6% | 10th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Allegheny, PA, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 2 | $22.2M* | 0.01% | 52nd |
Pennsylvania: 324th with 0.00% · Pittsburgh metro: 93rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2