| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.1 pts |
| Share growth (YoY) | -2.8% | +0.9% | -3.8 pts |
| Loan growth (YoY) | -66.4% | -2.6% | -63.7 pts |
| ROA | 2.06% | 0.65% | +1.4 pts |
| ROE | 33.6% | 4.4% | +29.3 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.6M | $1.5M | $63K | $97K | $16K | 2.06% | 2.91% | 33.30% | 902 |
| Q1 2026 | $1.6M | $1.5M | $71K | $74K | $-6K | -1.62% | 2.86% | 26.06% | 901 |
| Q4 2025 | $1.6M | $1.5M | $101K | $80K | $-5K | -0.31% | 2.68% | 26.70% | 906 |
| Q3 2025 | $1.6M | $1.5M | $140K | $80K | $-5K | -0.42% | 2.44% | 36.07% | 913 |
| Q2 2025 | $1.6M | $1.5M | $188K | $84K | $-2K | -0.20% | 2.12% | 37.70% | 918 |
| Q1 2025 | $1.6M | $1.5M | $221K | $84K | $-1K | -0.28% | 2.60% | 36.56% | 928 |
| Q4 2024 | $1.6M | $1.5M | $258K | $85K | $0 | 0.00% | 2.93% | 31.52% | 932 |
| Q3 2024 | $1.6M | $1.5M | $274K | $88K | $-54K | -4.48% | 2.95% | 22.96% | 945 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 33.6% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.6M | $1.5M | $330K | $91K | $-50K | -6.21% | 2.85% | 25.64% | 939 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $63K · securities $959K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.5% | 80.6% | 94th |
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: Kings, NY, ranked 51st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kings, NY | 1 | $1.5M* | 0.00% | 51st |
New York: 450th with 0.00% · New York-Newark-Jersey City metro: 310th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1