| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | -9.7% | -2.4% | -7.3 pts |
| ROA | -0.08% | 0.60% | -0.7 pts |
| ROE | -0.8% | 4.1% | -4.9 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.1M | $32.3M | $11.1M | $3.6M | $-7K | -0.08% | 2.54% | 1.74% | 2,358 |
| Q4 2025 | $34.7M | $30.8M | $11.5M | $3.7M | $215K | 0.62% | 2.48% | 1.38% | 2,358 |
| Q3 2025 | $34.4M | $30.4M | $11.7M | $3.6M | $188K | 0.73% | 2.45% | 0.72% | 2,544 |
| Q2 2025 | $34.6M | $31.1M | $11.8M | $3.4M | $-6K | -0.03% | 2.36% | 2.82% | 2,487 |
| Q1 2025 | $34.6M | $31.1M | $12.3M | $3.4M | $-23K | -0.27% | 2.21% | 0.37% | 2,495 |
| Q4 2024 | $35.2M | $31.7M | $12.7M | $3.4M | $-94K | -0.27% | 2.16% | 0.61% | 2,510 |
| Q3 2024 | $33.6M | $30.2M | $13.1M | $3.4M | $-87K | -0.34% | 2.22% | 2.48% | 2,525 |
| Q2 2024 | $34.7M | $31.4M | $13.5M | $3.5M | $-52K | -0.30% | 2.18% | 0.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,574 |
Loan mix (Q1 2026): real estate $6.4M · commercial $0 · consumer $4.0M · securities $17.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.9% | 81.5% | 87th |
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: Westchester, NY, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westchester, NY | 1 | $31.1M* | 0.01% | 40th |
New York: 318th with 0.00% · New York-Newark-Jersey City metro: 210th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1