| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -2.3% | +0.9% | -3.3 pts |
| Loan growth (YoY) | +6.1% | -2.6% | +8.7 pts |
| ROA | 1.15% | 0.65% | +0.5 pts |
| ROE | 10.5% | 4.4% | +6.1 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.1M | $54.4M | $29.1M | $6.7M | $352K | 1.15% | 3.61% | 0.37% | 5,863 |
| Q1 2026 | $62.2M | $55.7M | $27.7M | $6.6M | $235K | 1.51% | 3.45% | 0.12% | 5,832 |
| Q4 2025 | $61.5M | $55.2M | $27.7M | $6.3M | $742K | 1.21% | 3.20% | 0.43% | 5,820 |
| Q3 2025 | $61.7M | $55.6M | $28.0M | $6.1M | $518K | 1.12% | 3.11% | 0.35% | 5,819 |
| Q2 2025 | $61.6M | $55.7M | $27.5M | $5.9M | $337K | 1.09% | 3.02% | 0.17% | 5,794 |
| Q1 2025 | $60.9M | $55.2M | $26.3M | $5.7M | $89K | 0.58% | 2.97% | 0.28% | 5,764 |
| Q4 2024 | $58.1M | $52.5M | $26.2M | $5.6M | $278K | 0.48% | 2.99% | 0.13% | 5,745 |
| Q3 2024 | $58.1M | $52.5M | $25.7M | $5.5M | $198K | 0.46% | 2.95% | 0.22% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,719 |
| Q2 2024 | $59.3M | $53.7M | $25.8M | $5.5M | $218K | 0.73% | 2.87% | 0.31% | 5,670 |
Loan mix (Q2 2026): real estate $8.3M · commercial $0 · consumer $18.5M · securities $27.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 80.6% | 20th |
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.
2 branches in 2 counties across 2 states (-1 vs 2025). Biggest market: Cattaraugus, NY, ranked 8th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cattaraugus, NY | 1 | $27.2M* | 1.33% | 8th |
| Collin, TX | 1 | $27.2M* | 0.06% | 88th |
Texas: 692nd with 0.00% · New York: 336th with 0.00% · Dallas-Fort Worth-Arlington metro: 223rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2