| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +3.8% | +0.9% | +2.8 pts |
| Loan growth (YoY) | +0.7% | -2.6% | +3.4 pts |
| ROA | 0.37% | 0.65% | -0.3 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.0M | $51.0M | $7.3M | $5.0M | $105K | 0.37% | 1.21% | 0.22% | 1,581 |
| Q1 2026 | $54.9M | $49.8M | $7.4M | $5.0M | $53K | 0.39% | 1.25% | 0.13% | 1,589 |
| Q4 2025 | $54.8M | $49.7M | $7.4M | $4.9M | $348K | 0.64% | 1.51% | 0.16% | 1,604 |
| Q3 2025 | $53.6M | $48.6M | $7.1M | $4.9M | $279K | 0.69% | 1.58% | 0.25% | 1,612 |
| Q2 2025 | $54.1M | $49.2M | $7.2M | $4.8M | $168K | 0.62% | 1.51% | 0.37% | 1,626 |
| Q1 2025 | $53.0M | $48.3M | $7.1M | $4.6M | $41K | 0.31% | 1.25% | 0.00% | 1,641 |
| Q4 2024 | $51.8M | $47.2M | $7.1M | $4.6M | $191K | 0.37% | 1.31% | 0.13% | 1,656 |
| Q3 2024 | $51.0M | $46.4M | $7.1M | $4.5M | $136K | 0.36% | 1.33% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,664 |
| Q2 2024 | $51.3M | $46.9M | $7.1M | $4.4M | $35K | 0.13% | 1.15% | 0.00% | 1,682 |
Loan mix (Q2 2026): real estate $4.1M · commercial $0 · consumer $2.6M · securities $29.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 80.6% | 26th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Luzerne, PA, ranked 23rd with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Luzerne, PA | 3 | $51.0M* | 0.56% | 23rd |
Pennsylvania: 267th with 0.01% · Scranton--Wilkes-Barre metro: 31st, 0.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3