| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +4.9% | +0.9% | +3.9 pts |
| Loan growth (YoY) | +2.5% | -2.6% | +5.1 pts |
| ROA | 1.27% | 0.65% | +0.6 pts |
| ROE | 12.4% | 4.4% | +8.0 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.0M | $39.4M | $21.7M | $4.5M | $278K | 1.27% | 3.64% | 1.17% | 3,850 |
| Q1 2026 | $42.5M | $38.1M | $21.7M | $4.4M | $131K | 1.23% | 3.65% | 0.14% | 3,875 |
| Q4 2025 | $41.3M | $37.0M | $20.6M | $4.2M | $422K | 1.02% | 3.37% | 0.04% | 3,860 |
| Q3 2025 | $40.6M | $36.4M | $20.4M | $4.1M | $321K | 1.06% | 3.45% | 0.59% | 3,850 |
| Q2 2025 | $41.6M | $37.6M | $21.2M | $4.0M | $193K | 0.93% | 3.27% | 0.25% | 3,871 |
| Q1 2025 | $40.6M | $36.7M | $21.0M | $3.9M | $82K | 0.81% | 3.25% | 0.15% | 3,875 |
| Q4 2024 | $40.8M | $37.0M | $21.2M | $3.8M | $319K | 0.78% | 2.95% | 0.55% | 3,899 |
| Q3 2024 | $40.0M | $36.3M | $21.7M | $3.7M | $231K | 0.77% | 2.98% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 4.4% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,910 |
| Q2 2024 | $40.3M | $36.7M | $22.1M | $3.7M | $147K | 0.73% | 2.88% | 0.10% | 3,910 |
Loan mix (Q2 2026): real estate $10.4M · commercial $0 · consumer $11.2M · securities $18.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 80.6% | 25th |
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: Erie, NY, ranked 43rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $39.4M* | 0.06% | 43rd |
New York: 308th with 0.00% · Buffalo-Cheektowaga metro: 46th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1