| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +1.3% | +9.9 pts |
| Share growth (YoY) | +12.1% | +0.9% | +11.2 pts |
| Loan growth (YoY) | -2.2% | -2.6% | +0.4 pts |
| ROA | 1.69% | 0.65% | +1.0 pts |
| ROE | 7.6% | 4.4% | +3.2 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.0M | $47.1M | $43.9M | $13.6M | $515K | 1.69% | 3.92% | 0.17% | 2,557 |
| Q1 2026 | $59.0M | $45.5M | $43.9M | $13.2M | $99K | 0.67% | 3.30% | 0.23% | 2,563 |
| Q4 2025 | $57.4M | $44.0M | $44.8M | $13.1M | $894K | 1.56% | 3.93% | 0.22% | 2,551 |
| Q3 2025 | $55.1M | $42.0M | $45.0M | $12.9M | $722K | 1.75% | 4.08% | 0.31% | 2,563 |
| Q2 2025 | $54.9M | $42.0M | $44.9M | $12.7M | $495K | 1.80% | 4.01% | 0.21% | 2,570 |
| Q1 2025 | $54.3M | $41.8M | $43.6M | $12.4M | $151K | 1.12% | 3.33% | 0.12% | 2,542 |
| Q4 2024 | $53.1M | $40.7M | $43.0M | $12.2M | $896K | 1.69% | 3.78% | 0.26% | 2,530 |
| Q3 2024 | $53.4M | $41.2M | $42.6M | $12.1M | $703K | 1.76% | 3.86% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,536 |
| Q2 2024 | $54.0M | $42.1M | $42.1M | $11.8M | $460K | 1.71% | 3.73% | 0.00% | 2,542 |
Loan mix (Q2 2026): real estate $19.6M · commercial $1.7M · consumer $13.9M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 80.6% | 9th |
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: Erie, NY, ranked 38th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $47.1M* | 0.07% | 38th |
New York: 294th with 0.00% · Buffalo-Cheektowaga metro: 41st, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1