| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +3.9% | -5.7 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | -15.2% | +2.9% | -18.2 pts |
| ROA | 0.27% | 0.69% | -0.4 pts |
| ROE | 3.2% | 5.9% | -2.8 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $116.3M | $105.7M | $57.7M | $10.1M | $80K | 0.27% | 4.17% | 0.52% | 10,636 |
| Q4 2025 | $115.2M | $104.6M | $61.6M | $10.0M | $588K | 0.51% | 4.16% | 0.57% | 10,932 |
| Q3 2025 | $114.9M | $104.6M | $64.0M | $9.8M | $338K | 0.39% | 4.15% | 0.48% | 10,997 |
| Q2 2025 | $116.3M | $105.7M | $65.4M | $9.7M | $280K | 0.48% | 4.01% | 0.53% | 11,125 |
| Q1 2025 | $118.5M | $107.9M | $68.1M | $9.6M | $143K | 0.48% | 3.84% | 0.21% | 11,170 |
| Q4 2024 | $114.2M | $104.2M | $71.2M | $9.4M | $19K | 0.02% | 3.69% | 0.60% | 11,267 |
| Q3 2024 | $111.8M | $101.8M | $74.5M | $9.3M | $-115K | -0.14% | 3.68% | 0.66% | 11,298 |
| Q2 2024 | $112.5M | $102.4M | $76.7M | $9.4M | $-98K | -0.17% | 3.60% |
| Ratio | White Rose Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.69% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 11,404 |
Loan mix (Q1 2026): real estate $23.0M · commercial $0 · consumer $31.8M · securities $39.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 78.7% | 82nd |
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 | White Rose Credit Union | 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 | White Rose Credit Union | 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 | White Rose Credit Union | 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 | White Rose Credit Union | 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 | White Rose Credit Union | 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.
6 branches in 1 county across 1 state (-1 vs 2024). Biggest market: York, PA, ranked 15th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| York, PA | 6 | $105.7M* | 0.86% | 15th |
Pennsylvania: 209th with 0.02% · York-Hanover metro: 15th, 0.86% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 6