| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +4.0% | +0.9% | +3.1 pts |
| Loan growth (YoY) | +1.1% | -2.6% | +3.7 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.2M | $38.8M | $17.8M | $6.4M | $198K | 0.88% | 3.66% | 0.74% | 3,531 |
| Q1 2026 | $45.5M | $39.2M | $17.4M | $6.2M | $74K | 0.65% | 3.62% | 1.03% | 3,534 |
| Q4 2025 | $44.6M | $38.4M | $18.0M | $6.2M | $321K | 0.72% | 3.68% | 0.52% | 3,543 |
| Q3 2025 | $43.2M | $37.0M | $17.4M | $6.2M | $300K | 0.92% | 3.81% | 0.20% | 3,573 |
| Q2 2025 | $43.4M | $37.3M | $17.6M | $6.1M | $203K | 0.94% | 3.71% | 0.24% | 3,570 |
| Q1 2025 | $43.7M | $37.6M | $17.7M | $6.0M | $122K | 1.12% | 3.74% | 0.53% | 3,578 |
| Q4 2024 | $42.4M | $36.5M | $18.2M | $5.9M | $268K | 0.63% | 3.44% | 0.47% | 3,585 |
| Q3 2024 | $42.8M | $36.9M | $18.2M | $5.9M | $233K | 0.73% | 3.37% | 0.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,655 |
| Q2 2024 | $43.2M | $37.4M | $17.6M | $5.7M | $69K | 0.32% | 2.68% | 0.88% | 3,669 |
Loan mix (Q2 2026): real estate $5.5M · commercial $0 · consumer $12.0M · securities $21.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 80.6% | 36th |
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 (-1 vs 2025). Biggest market: Erie, NY, ranked 45th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $38.8M* | 0.06% | 45th |
New York: 312th with 0.00% · Buffalo-Cheektowaga metro: 48th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 1