| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | -0.3% | +0.9% | -1.3 pts |
| Loan growth (YoY) | -7.5% | -2.6% | -4.9 pts |
| ROA | 1.71% | 0.65% | +1.1 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.5M | $19.1M | $6.2M | $4.4M | $202K | 1.71% | 3.88% | 0.12% | 1,514 |
| Q1 2026 | $23.4M | $19.0M | $6.4M | $4.3M | $79K | 1.36% | 3.83% | 0.00% | 1,520 |
| Q4 2025 | $23.5M | $19.2M | $6.6M | $4.2M | $471K | 2.01% | 3.85% | 0.00% | 1,528 |
| Q3 2025 | $23.3M | $19.2M | $6.8M | $4.1M | $362K | 2.07% | 3.89% | 0.08% | 1,533 |
| Q2 2025 | $23.2M | $19.2M | $6.7M | $4.0M | $239K | 2.07% | 3.85% | 0.27% | 1,538 |
| Q1 2025 | $23.2M | $19.3M | $6.5M | $3.9M | $109K | 1.88% | 3.92% | 0.12% | 1,538 |
| Q4 2024 | $23.1M | $19.3M | $6.7M | $3.7M | $398K | 1.72% | 3.42% | 0.00% | 1,540 |
| Q3 2024 | $22.7M | $19.1M | $6.7M | $3.6M | $280K | 1.64% | 3.42% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,546 |
| Q2 2024 | $22.8M | $19.3M | $6.8M | $3.5M | $175K | 1.53% | 3.30% | 0.00% | 1,549 |
Loan mix (Q2 2026): real estate $2.1M · commercial $0 · consumer $3.9M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 80.6% | 7th |
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 2025). Biggest market: Westmoreland, PA, ranked 33rd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westmoreland, PA | 1 | $19.1M* | 0.16% | 33rd |
Pennsylvania: 332nd with 0.00% · Pittsburgh metro: 98th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1