| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +1.3% | +6.3 pts |
| Share growth (YoY) | +5.7% | +0.9% | +4.8 pts |
| Loan growth (YoY) | +0.3% | -2.6% | +2.9 pts |
| ROA | 2.83% | 0.65% | +2.2 pts |
| ROE | 19.0% | 4.4% | +14.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.7M | $21.0M | $16.3M | $3.7M | $349K | 2.83% | 5.28% | 0.40% | 2,717 |
| Q1 2026 | $23.9M | $20.5M | $16.0M | $3.5M | $141K | 2.35% | 5.39% | 0.35% | 2,731 |
| Q4 2025 | $24.0M | $20.6M | $16.0M | $3.3M | $643K | 2.68% | 4.61% | 0.79% | 2,705 |
| Q3 2025 | $23.7M | $20.4M | $16.2M | $3.3M | $559K | 3.15% | 5.03% | 0.64% | 2,695 |
| Q2 2025 | $22.9M | $19.9M | $16.3M | $3.1M | $368K | 3.21% | 5.11% | 0.90% | 2,663 |
| Q1 2025 | $22.5M | $19.6M | $15.6M | $2.9M | $164K | 2.92% | 5.11% | 0.84% | 2,674 |
| Q4 2024 | $21.7M | $19.0M | $15.7M | $2.7M | $452K | 2.08% | 4.36% | 0.66% | 2,688 |
| Q3 2024 | $19.3M | $17.1M | $14.9M | $2.3M | $360K | 2.48% | 4.95% | 0.46% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.83% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,368 |
| Q2 2024 | $19.6M | $17.5M | $14.7M | $2.2M | $240K | 2.45% | 4.72% | 0.12% | 2,330 |
Loan mix (Q2 2026): real estate $6.5M · commercial $0 · consumer $8.1M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.7% | 80.6% | 4th |
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: Orleans, NY, ranked 7th with 3.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orleans, NY | 1 | $21.0M* | 3.17% | 7th |
New York: 352nd with 0.00% · Rochester metro: 41st, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1