| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.1% | -2.7 pts |
| Share growth (YoY) | +1.9% | +3.5% | -1.6 pts |
| Loan growth (YoY) | +1.6% | +2.9% | -1.3 pts |
| ROA | 0.24% | 0.74% | -0.5 pts |
| ROE | 2.0% | 6.5% | -4.5 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 | $143.9M | $128.5M | $118.0M | $17.8M | $175K | 0.24% | 5.09% | 3.69% | 17,046 |
| Q1 2026 | $145.2M | $129.0M | $117.4M | $17.8M | $111K | 0.31% | 5.00% | 2.44% | 17,293 |
| Q4 2025 | $144.0M | $127.9M | $118.8M | $17.7M | $823K | 0.57% | 5.14% | 3.06% | 15,349 |
| Q3 2025 | $141.7M | $125.8M | $118.3M | $17.2M | $370K | 0.35% | 5.18% | 2.71% | 15,465 |
| Q2 2025 | $141.9M | $126.1M | $116.2M | $17.1M | $219K | 0.31% | 5.14% | 3.09% | 15,493 |
| Q1 2025 | $144.4M | $128.8M | $113.1M | $16.9M | $104K | 0.29% | 4.97% | 2.04% | 15,513 |
| Q4 2024 | $139.1M | $123.7M | $115.1M | $16.8M | $1.1M | 0.81% | 5.01% | 2.31% | 15,562 |
| Q3 2024 | $140.8M | $125.4M | $115.3M | $16.7M | $1.0M | 0.97% | 4.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.74% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 6.5% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.09% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 2.29% |
| 15,737 |
| Q2 2024 | $142.3M | $127.2M | $115.7M | $16.3M | $623K | 0.88% | 4.87% | 1.32% | 15,837 |
Loan mix (Q2 2026): real estate $57.8M · commercial $0 · consumer $56.5M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 77.5% | 88th |
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 22nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $128.5M* | 0.19% | 22nd |
New York: 219th with 0.00% · Buffalo-Cheektowaga metro: 25th, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1