| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +2.9% | +0.9% | +2.0 pts |
| Loan growth (YoY) | -6.8% | -2.6% | -4.2 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 11.0% | 4.4% | +6.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.3M | $79.8M | $46.3M | $8.4M | $461K | 1.04% | 3.61% | 2.14% | 7,035 |
| Q1 2026 | $86.9M | $78.7M | $47.0M | $8.2M | $241K | 1.11% | 3.61% | 0.82% | 7,001 |
| Q4 2025 | $87.3M | $79.1M | $48.5M | $7.9M | $906K | 1.04% | 3.61% | 1.14% | 7,031 |
| Q3 2025 | $85.0M | $77.1M | $49.2M | $7.8M | $705K | 1.10% | 3.69% | 0.56% | 7,025 |
| Q2 2025 | $85.3M | $77.6M | $49.7M | $7.7M | $529K | 1.24% | 3.64% | 1.23% | 7,039 |
| Q1 2025 | $83.2M | $75.9M | $51.1M | $7.4M | $232K | 1.11% | 3.78% | 0.80% | 7,127 |
| Q4 2024 | $82.9M | $74.2M | $52.8M | $7.1M | $545K | 0.66% | 3.56% | 1.94% | 7,111 |
| Q3 2024 | $89.4M | $75.3M | $59.5M | $6.9M | $196K | 0.29% | 3.17% | 9.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,085 |
| Q2 2024 | $88.9M | $73.5M | $60.3M | $7.0M | $286K | 0.64% | 3.49% | 1.05% | 7,045 |
Loan mix (Q2 2026): real estate $24.7M · commercial $5.1M · consumer $11.3M · securities $24.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 80.6% | 35th |
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.
4 branches in 4 counties across 2 states (+1 vs 2025). Biggest market: Franklin, NY, ranked 7th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, NY | 1 | $20.0M* | 2.16% | 7th |
| Collin, TX | 1 | $20.0M* | 0.04% | 94th |
| Clinton, NY | 1 | $20.0M* | 0.69% | 12th |
| 1 more county with Pro → | ||||
New York: 275th with 0.00% · Texas: 727th with 0.00% · Dallas-Fort Worth-Arlington metro: 235th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4