| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.4 pts |
| Loan growth (YoY) | -16.0% | -2.6% | -13.4 pts |
| ROA | 1.97% | 0.65% | +1.3 pts |
| ROE | 10.2% | 4.4% | +5.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.7M | $13.4M | $3.7M | $3.2M | $164K | 1.97% | 4.03% | 0.62% | 1,575 |
| Q1 2026 | $16.1M | $13.0M | $3.9M | $3.1M | $71K | 1.76% | 3.79% | 0.00% | 1,597 |
| Q4 2025 | $16.0M | $13.0M | $4.1M | $3.1M | $289K | 1.80% | 4.04% | 0.26% | 1,602 |
| Q3 2025 | $16.4M | $13.4M | $4.2M | $3.1M | $266K | 2.16% | 4.18% | 0.12% | 1,627 |
| Q2 2025 | $16.6M | $13.6M | $4.5M | $3.0M | $173K | 2.08% | 4.11% | 0.00% | 1,648 |
| Q1 2025 | $16.7M | $13.9M | $4.5M | $2.8M | $60K | 1.44% | 3.90% | 0.00% | 1,670 |
| Q4 2024 | $16.1M | $13.3M | $5.0M | $2.8M | $227K | 1.41% | 3.55% | 0.63% | 1,686 |
| Q3 2024 | $16.0M | $13.3M | $5.2M | $2.8M | $226K | 1.88% | 3.82% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,691 |
| Q2 2024 | $16.3M | $13.6M | $5.5M | $2.7M | $141K | 1.74% | 3.61% | 0.00% | 1,713 |
Loan mix (Q2 2026): real estate $250K · commercial $0 · consumer $3.4M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 80.6% | 6th |
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: Wyoming, NY, ranked 7th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wyoming, NY | 1 | $13.4M* | 0.99% | 7th |
New York: 380th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1