| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.9% | +1.3% | -13.2 pts |
| Share growth (YoY) | -13.8% | +0.9% | -14.8 pts |
| Loan growth (YoY) | -38.2% | -2.6% | -35.6 pts |
| ROA | -0.33% | 0.65% | -1.0 pts |
| ROE | -1.4% | 4.4% | -5.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.3M | $2.5M | $446K | $770K | $-6K | -0.33% | 1.28% | 1.08% | 387 |
| Q1 2026 | $3.5M | $2.7M | $417K | $783K | $8K | 0.90% | 1.23% | 1.72% | 402 |
| Q4 2025 | $3.5M | $2.7M | $444K | $775K | $-60K | -1.71% | 1.70% | 1.26% | 419 |
| Q3 2025 | $3.7M | $2.9M | $644K | $793K | $-42K | -1.53% | 1.75% | 2.07% | 437 |
| Q2 2025 | $3.8M | $3.0M | $721K | $808K | $-27K | -1.43% | 1.78% | 2.28% | 447 |
| Q1 2025 | $3.8M | $3.0M | $765K | $824K | $-11K | -1.20% | 1.78% | 2.27% | 464 |
| Q4 2024 | $3.9M | $3.0M | $814K | $835K | $-62K | -1.61% | 1.59% | 3.53% | 482 |
| Q3 2024 | $4.3M | $3.4M | $905K | $888K | $-9K | -0.29% | 1.43% | 8.49% | 500 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.5M | $3.6M | $1.0M | $902K | $4K | 0.17% | 1.40% | 2.57% | 527 |
Loan mix (Q2 2026): real estate $210K · commercial $0 · consumer $173K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 267.1% | 80.6% | 99th |
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: Sullivan, NY, ranked 10th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sullivan, NY | 1 | $2.5M* | 0.10% | 10th |
New York: 437th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1