| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.7 pts |
| Share growth (YoY) | -13.1% | +0.9% | -14.0 pts |
| Loan growth (YoY) | +36.8% | -2.6% | +39.4 pts |
| ROA | -0.28% | 0.65% | -0.9 pts |
| ROE | -0.9% | 4.4% | -5.3 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.4M | $2.4M | $1.6M | $1.0M | $-5K | -0.28% | 4.14% | 3.21% | 483 |
| Q1 2026 | $3.4M | $2.4M | $1.2M | $1.0M | $-5K | -0.61% | 4.06% | 2.96% | 484 |
| Q4 2025 | $3.5M | $2.5M | $1.3M | $1.0M | $7K | 0.19% | 4.60% | 0.94% | 486 |
| Q3 2025 | $3.5M | $2.4M | $1.3M | $1.0M | $3K | 0.10% | 4.55% | 0.64% | 486 |
| Q2 2025 | $3.8M | $2.7M | $1.2M | $1.0M | $-4K | -0.24% | 3.91% | 3.82% | 487 |
| Q1 2025 | $3.8M | $2.8M | $1.2M | $1.0M | $-8K | -0.89% | 3.06% | 3.85% | 495 |
| Q4 2024 | $3.7M | $2.7M | $1.1M | $1.0M | $14K | 0.37% | 5.07% | 4.90% | 501 |
| Q3 2024 | $3.7M | $2.7M | $1.2M | $1.0M | $30K | 1.08% | 5.04% | 4.41% | 514 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.28% | 0.65% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.9M | $2.9M | $1.2M | $1.0M | $14K | 0.71% | 4.63% | 4.22% | 526 |
Loan mix (Q2 2026): real estate $250K · commercial $0 · consumer $1.3M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.4% | 80.6% | 90th |
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.
3 branches in 1 county across 1 state (+2 vs 2025). Biggest market: Greater Bridgeport, CT, ranked 27th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greater Bridgeport, CT | 3 | $2.4M* | 0.02% | 27th |
Connecticut: 120th with 0.00% · Bridgeport-Stamford-Danbury metro: 46th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3