| Metric | Albright Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.1% | +0.9% | -1.0 pts |
| Loan growth (YoY) | +1.3% | -2.6% | +4.0 pts |
| ROA | 1.08% | 0.65% | +0.4 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.9M | $64.9M | $40.3M | $8.8M | $399K | 1.08% | 3.95% | 2.15% | 5,526 |
| Q1 2026 | $75.2M | $66.2M | $40.3M | $8.6M | $201K | 1.07% | 3.86% | 1.94% | 5,590 |
| Q4 2025 | $72.7M | $64.0M | $40.9M | $8.4M | $690K | 0.95% | 4.06% | 2.31% | 5,632 |
| Q3 2025 | $72.5M | $64.0M | $40.3M | $8.2M | $510K | 0.94% | 4.08% | 2.21% | 5,728 |
| Q2 2025 | $73.3M | $65.0M | $39.7M | $8.0M | $310K | 0.85% | 4.02% | 2.51% | 5,778 |
| Q1 2025 | $73.2M | $65.1M | $40.4M | $7.9M | $155K | 0.85% | 3.97% | 2.11% | 5,826 |
| Q4 2024 | $70.3M | $62.3M | $41.7M | $7.7M | $756K | 1.07% | 4.29% | 2.49% | 5,899 |
| Q3 2024 | $70.8M | $63.0M | $43.0M | $7.6M | $632K | 1.19% | 4.27% | 2.41% |
| Ratio | Albright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,928 |
| Q2 2024 | $75.5M | $67.7M | $43.9M | $7.5M | $467K | 1.24% | 3.94% | 1.69% | 6,167 |
Loan mix (Q2 2026): real estate $29.1M · commercial $0 · consumer $10.9M · securities $29.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 80.6% | 41st |
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 | Albright Credit Union | 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 | Albright Credit Union | 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 | Albright Credit Union | 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 | Albright Credit Union | 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 | Albright Credit Union | 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 2 counties across 2 states (+0 vs 2025). Biggest market: Western Connecticut, CT, ranked 28th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Western Connecticut, CT | 2 | $43.3M* | 0.07% | 28th |
| Suffolk, MA | 1 | $21.6M* | 0.01% | 47th |
Connecticut: 87th with 0.02% · Massachusetts: 204th with 0.00% · Bridgeport-Stamford-Danbury metro: 32nd, 0.05% · Boston-Cambridge-Newton metro: 153rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3