| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +1.9% | +0.9% | +0.9 pts |
| Loan growth (YoY) | -18.1% | -2.6% | -15.4 pts |
| ROA | -0.45% | 0.65% | -1.1 pts |
| ROE | -1.7% | 4.4% | -6.1 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.7M | $9.3M | $3.9M | $3.3M | $-28K | -0.45% | 3.76% | 4.52% | 1,756 |
| Q1 2026 | $12.6M | $9.2M | $4.1M | $3.3M | $-6K | -0.18% | 3.85% | 4.87% | 1,732 |
| Q4 2025 | $12.5M | $9.1M | $4.5M | $3.3M | $91K | 0.73% | 4.62% | 4.04% | 1,507 |
| Q3 2025 | $12.6M | $9.2M | $4.6M | $3.3M | $82K | 0.87% | 4.63% | 6.27% | 1,604 |
| Q2 2025 | $12.5M | $9.1M | $4.8M | $3.3M | $51K | 0.81% | 4.67% | 4.04% | 1,453 |
| Q1 2025 | $12.2M | $8.9M | $4.7M | $3.2M | $17K | 0.54% | 4.83% | 2.25% | 1,454 |
| Q4 2024 | $11.5M | $8.2M | $5.1M | $3.2M | $-100K | -0.87% | 6.03% | 3.66% | 1,454 |
| Q3 2024 | $11.8M | $8.5M | $5.3M | $3.2M | $-142K | -1.61% | 6.11% | 2.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.45% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,751 |
| Q2 2024 | $12.7M | $9.5M | $4.8M | $3.1M | $-175K | -2.76% | 5.85% | 2.90% | 1,462 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.7M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.9% | 80.6% | 84th |
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: Washington, VT, ranked 15th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, VT | 1 | $9.3M* | 0.34% | 15th |
Vermont: 34th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1