| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +1.3% | -6.3 pts |
| Share growth (YoY) | -27.3% | +0.9% | -28.2 pts |
| Loan growth (YoY) | -6.8% | -2.6% | -4.1 pts |
| ROA | 3.31% | 0.65% | +2.7 pts |
| ROE | 5.4% | 4.4% | +1.0 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $899K | $350K | $180K | $548K | $15K | 3.31% | 2.14% | 15.95% | 233 |
| Q1 2026 | $1.0M | $478K | $168K | $527K | $4K | 1.71% | 1.59% | 7.00% | 237 |
| Q4 2025 | $997K | $480K | $170K | $517K | $347K | 34.80% | 2.71% | 2.32% | 238 |
| Q3 2025 | $987K | $472K | $161K | $515K | $324K | 43.73% | 2.55% | 26.75% | 251 |
| Q2 2025 | $946K | $481K | $193K | $465K | $-66 | -0.01% | 2.87% | 0.52% | 271 |
| Q1 2025 | $945K | $477K | $158K | $468K | $293K | 123.89% | 1.64% | 0.00% | 298 |
| Q4 2024 | $652K | $477K | $120K | $175K | $15K | 2.28% | 2.84% | 0.00% | 269 |
| Q3 2024 | $651K | $473K | $119K | $176K | $21K | 4.28% | 2.97% | 0.00% | 247 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.31% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.14% | 3.88% |
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| Q2 2024 | $650K | $491K | $102K | $158K | $121 | 0.04% | 1.09% | 0.00% | 274 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $180K · securities $362K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 80.6% | 38th |
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: New York, NY, ranked 109th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $350K* | 0.00% | 109th |
New York: 471st with 0.00% · New York-Newark-Jersey City metro: 333rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1