| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.0% | +1.3% | -9.3 pts |
| Share growth (YoY) | -11.4% | +0.9% | -12.3 pts |
| Loan growth (YoY) | -2.4% | -2.6% | +0.2 pts |
| ROA | 2.52% | 0.65% | +1.9 pts |
| ROE | 7.4% | 4.4% | +3.0 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $667K | $897K | $347K | $13K | 2.52% | 6.86% | 0.00% | 524 |
| Q1 2026 | $999K | $661K | $950K | $338K | $4K | 1.53% | 6.37% | 0.00% | 532 |
| Q4 2025 | $1.0M | $651K | $867K | $334K | $1K | 0.11% | 5.12% | 0.00% | 539 |
| Q3 2025 | $1.0M | $683K | $966K | $352K | $19K | 2.48% | 7.20% | 0.00% | 527 |
| Q2 2025 | $1.1M | $753K | $920K | $349K | $17K | 3.01% | 7.14% | 0.00% | 528 |
| Q1 2025 | $983K | $640K | $901K | $343K | $10K | 4.15% | 8.66% | 0.00% | 524 |
| Q4 2024 | $988K | $628K | $867K | $333K | $-10K | -0.99% | 3.78% | 0.00% | 510 |
| Q3 2024 | $846K | $491K | $753K | $355K | $13K | 2.04% | 7.62% | 0.00% | 589 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.52% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $939K | $586K | $735K | $353K | $10K | 2.20% | 6.98% | 0.00% | 534 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $897K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 80.6% | 17th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Bronx, NY, ranked 29th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bronx, NY | 1 | $333K* | 0.00% | 29th |
| Rockland, NY | 1 | $333K* | 0.00% | 19th |
New York: 463rd with 0.00% · New York-Newark-Jersey City metro: 325th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2