| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.3% | +0.9% | +3.4 pts |
| Loan growth (YoY) | -11.2% | -2.6% | -8.6 pts |
| ROA | 0.56% | 0.65% | -0.1 pts |
| ROE | 4.9% | 4.4% | +0.5 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.7M | $32.4M | $5.5M | $4.2M | $103K | 0.56% | 2.16% | 1.23% | 1,807 |
| Q1 2026 | $35.5M | $31.2M | $5.7M | $4.2M | $42K | 0.48% | 2.21% | 1.34% | 1,818 |
| Q4 2025 | $34.9M | $30.6M | $6.2M | $4.1M | $365K | 1.05% | 2.64% | 1.03% | 1,825 |
| Q3 2025 | $34.5M | $30.3M | $6.2M | $4.1M | $313K | 1.21% | 2.83% | 3.01% | 1,830 |
| Q2 2025 | $35.2M | $31.0M | $6.2M | $4.0M | $212K | 1.20% | 2.80% | 1.53% | 1,835 |
| Q1 2025 | $35.0M | $31.0M | $6.0M | $3.9M | $81K | 0.92% | 2.75% | 1.08% | 1,841 |
| Q4 2024 | $32.8M | $29.0M | $6.0M | $3.8M | $346K | 1.05% | 2.68% | 1.24% | 1,847 |
| Q3 2024 | $32.7M | $28.9M | $6.1M | $3.7M | $276K | 1.13% | 2.66% | 0.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,848 |
| Q2 2024 | $32.7M | $28.9M | $5.9M | $3.6M | $175K | 1.07% | 2.58% | 0.50% | 1,854 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $3.4M · securities $28.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 80.6% | 41st |
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.
3 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: Westmoreland, PA, ranked 30th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 2 | $21.6M* | 0.19% | 30th |
| Cambria, PA | 1 | $10.8M* | 0.24% | 20th |
Pennsylvania: 303rd with 0.01% · Pittsburgh metro: 94th, 0.01% · Johnstown metro: 20th, 0.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3