| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +5.0 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 3.0% | 4.1% | -1.1 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 | $14.9M | $11.8M | $6.1M | $3.0M | $22K | 0.60% | 3.45% | 0.75% | 1,079 |
| Q4 2025 | $14.3M | $11.3M | $6.2M | $3.0M | $167K | 1.16% | 3.71% | 1.50% | 1,082 |
| Q3 2025 | $14.0M | $11.0M | $6.1M | $2.9M | $127K | 1.21% | 3.81% | 0.21% | 1,087 |
| Q2 2025 | $14.0M | $11.0M | $6.0M | $2.9M | $80K | 1.15% | 3.72% | 0.24% | 1,098 |
| Q1 2025 | $14.1M | $11.1M | $5.9M | $2.9M | $36K | 1.02% | 3.54% | 0.02% | 1,102 |
| Q4 2024 | $13.6M | $10.7M | $6.2M | $2.8M | $165K | 1.21% | 3.94% | 0.44% | 1,110 |
| Q3 2024 | $13.5M | $10.7M | $6.3M | $2.8M | $141K | 1.39% | 4.00% | 0.14% | 1,117 |
| Q2 2024 | $13.6M | $10.7M | $6.6M | $2.8M | $103K | 1.51% | 4.08% | 0.18% |
| 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 | 3.0% | 4.1% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,117 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $3.0M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 81.5% | 52nd |
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: Lycoming, PA, ranked 16th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lycoming, PA | 1 | $11.0M* | 0.38% | 16th |
Pennsylvania: 368th with 0.00% · Williamsport metro: 16th, 0.38% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1