| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -0.9% | -2.3% | +1.4 pts |
| ROA | -0.26% | 0.65% | -0.9 pts |
| ROE | -3.6% | 4.4% | -8.0 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.7M | $6.2M | $5.4M | $485K | $-9K | -0.26% | 4.23% | 0.00% | 970 |
| Q1 2026 | $6.9M | $6.2M | $5.7M | $481K | $-11K | -0.63% | 4.04% | 0.26% | 999 |
| Q4 2025 | $6.8M | $6.3M | $5.6M | $492K | $25K | 0.37% | 3.87% | 0.12% | 964 |
| Q3 2025 | $6.9M | $6.4M | $5.7M | $505K | $16K | 0.31% | 3.70% | 0.02% | 965 |
| Q2 2025 | $6.9M | $6.5M | $5.6M | $496K | $6K | 0.19% | 3.58% | 0.02% | 959 |
| Q1 2025 | $6.9M | $6.4M | $5.7M | $498K | $9K | 0.52% | 3.77% | 0.22% | 958 |
| Q4 2024 | $6.4M | $6.0M | $5.3M | $489K | $22K | 0.34% | 3.95% | 0.05% | 980 |
| Q3 2024 | $6.6M | $6.2M | $5.0M | $474K | $6K | 0.12% | 3.67% | 0.02% | 974 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -3.6% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.1M | $5.7M | $4.8M | $471K | $3K | 0.11% | 4.10% | 0.06% | 966 |
Loan mix (Q2 2026): real estate $866K · commercial $46K · consumer $4.0M · securities $637K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.2% | 81.5% | 89th |
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 (+0 vs 2025). Biggest market: Middlesex, MA, ranked 82nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 1 | $3.2M* | 0.00% | 82nd |
| Bradley, TN | 1 | $3.2M* | 0.13% | 18th |
Tennessee: 286th with 0.00% · Massachusetts: 237th with 0.00% · Cleveland metro: 21st, 0.12% · Boston-Cambridge-Newton metro: 182nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2