| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -2.0% | +0.9% | -2.9 pts |
| Loan growth (YoY) | -16.1% | -2.6% | -13.5 pts |
| ROA | 1.89% | 0.65% | +1.2 pts |
| ROE | 21.9% | 4.4% | +17.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $917K | $165K | $86K | $9K | 1.89% | 4.02% | 0.00% | 335 |
| Q1 2026 | $998K | $913K | $151K | $82K | $5K | 2.03% | 4.37% | 0.00% | 334 |
| Q4 2025 | $1.0M | $940K | $159K | $77K | $-4K | -0.39% | 2.66% | 1.47% | 337 |
| Q3 2025 | $1.0M | $946K | $165K | $97K | $16K | 1.99% | 4.19% | 1.82% | 355 |
| Q2 2025 | $1.0M | $935K | $197K | $96K | $9K | 1.65% | 4.27% | 2.33% | 353 |
| Q1 2025 | $1.0M | $909K | $197K | $104K | $-34K | -13.32% | 4.54% | 1.72% | 352 |
| Q4 2024 | $1.1M | $970K | $217K | $138K | $40K | 3.64% | 3.54% | 11.41% | 354 |
| Q3 2024 | $1.1M | $966K | $221K | $137K | $40K | 4.84% | 4.34% | 13.36% | 353 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.1M |
| $973K |
| $234K |
| $107K |
| $10K |
| 1.81% |
| 4.42% |
| 6.37% |
| 350 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $92K · securities $720K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 80.6% | 7th |
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: New York, NY, ranked 104th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $917K* | 0.00% | 104th |
New York: 457th with 0.00% · New York-Newark-Jersey City metro: 317th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1