| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | -6.6% | -2.4% | -4.3 pts |
| ROA | 2.52% | 0.60% | +1.9 pts |
| ROE | 15.2% | 4.1% | +11.1 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.5M | $2.1M | $1.5M | $416K | $16K | 2.52% | 5.34% | 0.86% | 364 |
| Q4 2025 | $2.4M | $2.0M | $1.4M | $400K | $45K | 1.86% | 5.36% | 0.47% | 354 |
| Q3 2025 | $2.4M | $2.0M | $1.4M | $398K | $42K | 2.34% | 5.82% | 0.96% | 350 |
| Q2 2025 | $2.5M | $2.1M | $1.6M | $383K | $27K | 2.16% | 5.50% | 0.00% | 349 |
| Q1 2025 | $2.4M | $2.1M | $1.6M | $369K | $13K | 2.13% | 5.96% | 0.00% | 351 |
| Q4 2024 | $2.4M | $2.0M | $1.6M | $356K | $5K | 0.22% | 4.90% | 0.00% | 357 |
| Q3 2024 | $2.4M | $2.0M | $1.6M | $355K | $5K | 0.29% | 5.16% | 0.00% | 352 |
| Q2 2024 | $2.3M | $2.0M | $1.6M | $358K | $7K | 0.62% | 4.85% | 0.00% | 350 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $624K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.52% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 81.5% | 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 2024). Biggest market: Suffolk, MA, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, MA | 1 | $2.1M* | 0.00% | 52nd |
Massachusetts: 241st with 0.00% · Boston-Cambridge-Newton metro: 186th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1