| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.1 pts |
| Loan growth (YoY) | -17.1% | -2.4% | -14.8 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.4M | $11.3M | $3.3M | $1.1M | $19K | 0.60% | 3.15% | 0.22% | 1,084 |
| Q4 2025 | $12.0M | $10.9M | $3.6M | $1.1M | $58K | 0.48% | 2.76% | 0.20% | 1,109 |
| Q3 2025 | $11.8M | $10.7M | $3.8M | $1.1M | $41K | 0.46% | 2.80% | 0.19% | 1,131 |
| Q2 2025 | $12.3M | $11.2M | $3.8M | $1.1M | $-2K | -0.03% | 2.57% | 0.19% | 1,149 |
| Q1 2025 | $12.2M | $11.1M | $3.9M | $1.1M | $-16K | -0.52% | 2.39% | 0.00% | 1,165 |
| Q4 2024 | $12.3M | $10.9M | $4.1M | $1.1M | $-64K | -0.52% | 2.34% | 1.25% | 1,176 |
| Q3 2024 | $12.6M | $11.2M | $4.3M | $1.1M | $-51K | -0.54% | 2.26% | 0.00% | 1,185 |
| Q2 2024 | $13.5M | $12.3M | $4.3M | $1.1M | $-35K | -0.52% | 2.10% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,193 |
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $1.7M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 81.5% | 61st |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Washington, PA, ranked 27th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, PA | 1 | $11.2M* | 0.15% | 27th |
Pennsylvania: 367th with 0.00% · Pittsburgh metro: 121st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1