| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.8 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.5 pts |
| Loan growth (YoY) | +5.2% | -2.6% | +7.9 pts |
| ROA | 1.13% | 0.65% | +0.5 pts |
| ROE | 9.0% | 4.4% | +4.7 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.0M | $12.2M | $3.1M | $1.8M | $79K | 1.13% | 3.50% | 0.09% | 1,377 |
| Q1 2026 | $13.8M | $12.1M | $3.1M | $1.7M | $45K | 1.29% | 3.47% | 0.44% | 1,398 |
| Q4 2025 | $13.2M | $11.5M | $3.0M | $1.7M | $59K | 0.45% | 3.58% | 0.33% | 1,440 |
| Q3 2025 | $13.1M | $11.4M | $2.9M | $1.7M | $74K | 0.75% | 3.56% | 1.73% | 1,437 |
| Q2 2025 | $13.7M | $12.1M | $3.0M | $1.7M | $44K | 0.64% | 3.36% | 2.10% | 1,458 |
| Q1 2025 | $13.9M | $12.3M | $3.0M | $1.6M | $24K | 0.68% | 3.22% | 0.53% | 1,515 |
| Q4 2024 | $13.0M | $11.4M | $3.0M | $1.6M | $82K | 0.63% | 3.20% | 0.56% | 1,501 |
| Q3 2024 | $12.8M | $11.2M | $3.0M | $1.6M | $94K | 0.98% | 3.19% | 1.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,510 |
| Q2 2024 | $12.8M | $11.3M | $3.2M | $1.6M | $62K | 0.96% | 3.09% | 0.99% | 1,521 |
Loan mix (Q2 2026): real estate $533K · commercial $0 · consumer $2.6M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 80.6% | 33rd |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Blair, PA, ranked 24th with 0.1% of deposits.
New York: 418th with 0.00% · Pennsylvania: 387th with 0.00% · Buffalo-Cheektowaga metro: 83rd, 0.01% · Altoona metro: 24th, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2