| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +1.3% | -9.1 pts |
| Share growth (YoY) | -8.3% | +0.9% | -9.2 pts |
| Loan growth (YoY) | -5.1% | -2.6% | -2.5 pts |
| ROA | -0.19% | 0.65% | -0.8 pts |
| ROE | -2.2% | 4.4% | -6.5 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.7M | $16.1M | $10.4M | $1.5M | $-16K | -0.19% | 3.54% | 0.65% | 1,415 |
| Q1 2026 | $17.8M | $16.2M | $10.2M | $1.5M | $-28K | -0.62% | 3.55% | 1.33% | 1,414 |
| Q4 2025 | $18.0M | $16.4M | $10.4M | $1.5M | $-15K | -0.08% | 3.43% | 1.70% | 1,430 |
| Q3 2025 | $18.2M | $16.6M | $10.7M | $1.5M | $-8K | -0.06% | 3.40% | 1.31% | 1,440 |
| Q2 2025 | $19.2M | $17.6M | $10.9M | $1.6M | $490 | 0.01% | 3.21% | 1.54% | 1,496 |
| Q1 2025 | $18.7M | $17.2M | $11.3M | $1.5M | $-17K | -0.36% | 3.36% | 1.35% | 1,125 |
| Q4 2024 | $19.0M | $17.4M | $11.7M | $1.6M | $66K | 0.35% | 3.00% | 1.05% | 1,148 |
| Q3 2024 | $18.6M | $17.0M | $11.9M | $1.5M | $64K | 0.46% | 2.96% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.2% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,157 |
| Q2 2024 | $19.0M | $17.4M | $12.0M | $1.5M | $48K | 0.50% | 2.85% | 0.23% | 1,170 |
Loan mix (Q2 2026): real estate $2.0M · commercial $0 · consumer $4.8M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.1% | 80.6% | 85th |
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 1 county across 1 state (-1 vs 2025). Biggest market: Erie, NY, ranked 54th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 2 | $16.1M* | 0.02% | 54th |
New York: 372nd with 0.00% · Buffalo-Cheektowaga metro: 63rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2