| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -0.5% | +0.9% | -1.5 pts |
| Loan growth (YoY) | -14.1% | -2.6% | -11.4 pts |
| ROA | 1.97% | 0.65% | +1.3 pts |
| ROE | 8.6% | 4.4% | +4.2 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 | $3.7M | $2.9M | $2.3M | $853K | $37K | 1.97% | 5.34% | 1.73% | 381 |
| Q1 2026 | $3.6M | $2.8M | $2.3M | $835K | $18K | 1.99% | 5.33% | 0.19% | 383 |
| Q4 2025 | $3.6M | $2.8M | $2.3M | $817K | $21K | 0.58% | 5.90% | 0.41% | 385 |
| Q3 2025 | $3.6M | $2.8M | $2.4M | $807K | $12K | 0.43% | 5.90% | 0.22% | 386 |
| Q2 2025 | $3.7M | $2.9M | $2.7M | $811K | $15K | 0.82% | 5.74% | 0.58% | 389 |
| Q1 2025 | $3.7M | $2.9M | $2.8M | $792K | $-3K | -0.36% | 5.63% | 0.22% | 397 |
| Q4 2024 | $3.6M | $2.8M | $2.6M | $796K | $52K | 1.43% | 5.87% | 0.64% | 390 |
| Q3 2024 | $3.8M | $3.0M | $2.7M | $785K | $41K | 1.45% | 5.60% | 0.24% | 394 |
| 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 | 8.6% | 4.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.0M | $3.2M | $2.7M | $768K | $24K | 1.20% | 5.33% | 0.52% | 402 |
Loan mix (Q2 2026): real estate $1.2M · commercial $0 · consumer $1.1M · securities $444K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 80.6% | 11th |
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: Middlesex, MA, ranked 82nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 1 | $2.9M* | 0.00% | 82nd |
Massachusetts: 237th with 0.00% · Boston-Cambridge-Newton metro: 184th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1