| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +3.4% | +0.9% | +2.4 pts |
| Loan growth (YoY) | +2.3% | -2.6% | +4.9 pts |
| ROA | 1.70% | 0.65% | +1.1 pts |
| ROE | 6.6% | 4.4% | +2.2 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 | $14.2M | $10.5M | $8.6M | $3.7M | $121K | 1.70% | 4.07% | 0.27% | 865 |
| Q1 2026 | $14.8M | $11.2M | $8.4M | $3.6M | $56K | 1.51% | 3.86% | 0.16% | 864 |
| Q4 2025 | $14.1M | $10.6M | $8.7M | $3.5M | $262K | 1.86% | 4.07% | 0.23% | 864 |
| Q3 2025 | $13.7M | $10.2M | $8.4M | $3.5M | $192K | 1.86% | 4.15% | 0.18% | 862 |
| Q2 2025 | $13.6M | $10.1M | $8.4M | $3.4M | $126K | 1.85% | 4.16% | 0.37% | 875 |
| Q1 2025 | $13.6M | $10.3M | $8.4M | $3.3M | $49K | 1.42% | 3.99% | 0.13% | 870 |
| Q4 2024 | $13.5M | $10.2M | $8.4M | $3.3M | $380K | 2.81% | 4.71% | 0.14% | 863 |
| Q3 2024 | $13.9M | $10.7M | $7.8M | $3.2M | $284K | 2.72% | 4.66% | 0.30% | 859 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $13.7M | $10.6M | $7.7M | $3.1M | $177K | 2.57% | 4.68% | 0.38% | 853 |
Loan mix (Q2 2026): real estate $3.3M · commercial $0 · consumer $5.1M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 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: Middlesex, MA, ranked 71st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 1 | $10.5M* | 0.01% | 71st |
Massachusetts: 220th with 0.00% · Boston-Cambridge-Newton metro: 164th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1