| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.1% | -5.0 pts |
| Share growth (YoY) | -7.7% | +3.5% | -11.2 pts |
| Loan growth (YoY) | +1.3% | +2.9% | -1.5 pts |
| ROA | 3.55% | 0.74% | +2.8 pts |
| ROE | 8.1% | 6.5% | +1.7 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.2M | $69.7M | $62.7M | $54.7M | $2.2M | 3.55% | 2.70% | 1.18% | 5,211 |
| Q1 2026 | $125.6M | $73.4M | $62.6M | $51.4M | $-1.1M | -3.54% | 2.66% | 0.83% | 5,177 |
| Q4 2025 | $125.9M | $72.6M | $62.9M | $52.5M | $4.3M | 3.42% | 2.41% | 0.60% | 5,188 |
| Q3 2025 | $124.4M | $72.2M | $63.0M | $51.4M | $3.2M | 3.42% | 2.38% | 0.19% | 5,303 |
| Q2 2025 | $126.3M | $75.5M | $61.9M | $49.9M | $1.7M | 2.69% | 2.30% | 0.20% | 5,340 |
| Q1 2025 | $122.4M | $73.7M | $62.5M | $47.9M | $-302K | -0.99% | 2.31% | 0.07% | 5,322 |
| Q4 2024 | $118.0M | $69.1M | $62.5M | $48.2M | $4.6M | 3.88% | 2.23% | 0.12% | 5,284 |
| Q3 2024 | $114.4M | $67.1M | $62.8M | $46.6M | $2.9M | 3.41% | 2.26% |
| Ratio | Brotherhood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.55% | 0.74% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.5% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.14% |
| 5,339 |
| Q2 2024 | $109.9M | $64.1M | $63.6M | $45.1M | $1.5M | 2.67% | 2.36% | 0.22% | 5,306 |
Loan mix (Q2 2026): real estate $58.0M · commercial $0 · consumer $4.3M · securities $52.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.7% | 77.5% | 1st |
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 | Brotherhood Credit Union | 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 | Brotherhood Credit Union | 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 | Brotherhood Credit Union | 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 | Brotherhood Credit Union | 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 | Brotherhood Credit Union | 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 (+0 vs 2025). Biggest market: Essex, MA, ranked 38th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 3 | $69.7M* | 0.20% | 38th |
Massachusetts: 175th with 0.01% · Boston-Cambridge-Newton metro: 128th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3