| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +1.3% | +10.0 pts |
| Share growth (YoY) | +16.4% | +0.9% | +15.5 pts |
| Loan growth (YoY) | -64.0% | -2.6% | -61.4 pts |
| ROA | -0.78% | 0.65% | -1.4 pts |
| ROE | -6.0% | 4.4% | -10.4 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97K | $84K | $4K | $13K | $-377 | -0.78% | 0.70% | 0.00% | 93 |
| Q1 2026 | $96K | $83K | $6K | $13K | $188 | 0.78% | 0.78% | 0.00% | 95 |
| Q4 2025 | $92K | $79K | $5K | $13K | $-2K | -1.91% | 1.19% | 0.00% | 96 |
| Q3 2025 | $89K | $75K | $8K | $14K | $-866 | -1.30% | 1.34% | 0.00% | 96 |
| Q2 2025 | $87K | $72K | $11K | $15K | $-112 | -0.26% | 1.42% | 0.00% | 92 |
| Q1 2025 | $85K | $70K | $10K | $15K | $326 | 1.53% | 1.53% | 0.00% | 95 |
| Q4 2024 | $83K | $69K | $13K | $15K | $-891 | -1.07% | 2.45% | 0.00% | 93 |
| Q3 2024 | $89K | $73K | $16K | $15K | $-295 | -0.44% | 2.31% | 0.00% | 94 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.78% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -6.0% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $88K |
| $72K |
| $19K |
| $16K |
| $205 |
| 0.47% |
| 2.30% |
| 0.00% |
| 94 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 211.9% | 80.6% | 99th |
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: Kings, NY, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kings, NY | 1 | $84K* | 0.00% | 56th |
New York: 480th with 0.00% · New York-Newark-Jersey City metro: 342nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1