| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +1.3% | +10.1 pts |
| Share growth (YoY) | +13.0% | +0.9% | +12.0 pts |
| Loan growth (YoY) | +9.8% | -2.6% | +12.4 pts |
| ROA | 0.71% | 0.65% | +0.1 pts |
| ROE | 3.6% | 4.4% | -0.8 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.6M | $12.5M | $6.6M | $3.0M | $55K | 0.71% | 3.26% | 0.56% | 1,085 |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,117 |
| Q2 2024 | $13.6M | $10.7M | $6.6M | $2.8M | $103K | 1.51% | 4.08% | 0.18% | 1,117 |
Loan mix (Q2 2026): real estate $3.3M · commercial $0 · consumer $3.2M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 80.6% | 44th |
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: Lycoming, PA, ranked 17th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lycoming, PA | 1 | $12.5M* | 0.36% | 17th |
Pennsylvania: 356th with 0.00% · Williamsport metro: 17th, 0.36% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1