| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -8.6% | +0.9% | -9.6 pts |
| Loan growth (YoY) | +21.3% | -2.6% | +23.9 pts |
| ROA | 0.36% | 0.65% | -0.3 pts |
| ROE | 1.7% | 4.4% | -2.6 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $818K | $173K | $209K | $2K | 0.36% | 3.95% | 0.00% | 192 |
| Q1 2026 | $1.0M | $830K | $189K | $208K | $-13 | -0.01% | 3.61% | 0.00% | 201 |
| Q4 2025 | $1.1M | $869K | $200K | $208K | $3K | 0.26% | 3.55% | 0.29% | 202 |
| Q3 2025 | $1.1M | $858K | $137K | $206K | $1K | 0.15% | 3.52% | 0.59% | 203 |
| Q2 2025 | $1.1M | $895K | $143K | $206K | $1K | 0.27% | 3.55% | 0.00% | 206 |
| Q1 2025 | $1.1M | $871K | $186K | $206K | $1K | 0.52% | 3.69% | 0.00% | 206 |
| Q4 2024 | $1.1M | $909K | $235K | $205K | $1K | 0.13% | 3.71% | 0.00% | 210 |
| Q3 2024 | $1.1M | $900K | $188K | $206K | $3K | 0.30% | 3.74% | 0.00% | 213 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.65% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.1M |
| $910K |
| $216K |
| $206K |
| $3K |
| 0.55% |
| 3.81% |
| 0.25% |
| 218 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $831K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.1% | 80.6% | 74th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: New York, NY, ranked 105th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 2 | $818K* | 0.00% | 105th |
New York: 460th with 0.00% · New York-Newark-Jersey City metro: 322nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2