| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -3.9% | +0.9% | -4.8 pts |
| Loan growth (YoY) | -5.7% | -2.6% | -3.0 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 4.6% | 4.4% | +0.2 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.3M | $27.2M | $18.7M | $3.5M | $80K | 0.53% | 3.51% | 0.79% | 1,561 |
| Q1 2026 | $30.8M | $27.7M | $19.5M | $3.5M | $48K | 0.63% | 3.45% | 0.91% | 1,541 |
| Q4 2025 | $30.7M | $27.6M | $20.0M | $3.4M | $158K | 0.51% | 3.67% | 0.11% | 1,584 |
| Q3 2025 | $30.9M | $27.8M | $20.1M | $3.4M | $134K | 0.58% | 3.59% | 1.31% | 1,620 |
| Q2 2025 | $31.3M | $28.3M | $19.8M | $3.4M | $87K | 0.56% | 3.46% | 3.34% | 1,685 |
| Q1 2025 | $30.7M | $27.7M | $19.9M | $3.3M | $31K | 0.40% | 3.44% | 1.30% | 1,664 |
| Q4 2024 | $29.9M | $26.9M | $20.3M | $3.3M | $186K | 0.62% | 3.80% | 2.05% | 1,684 |
| Q3 2024 | $29.2M | $26.3M | $20.1M | $3.3M | $162K | 0.74% | 3.91% | 1.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,688 |
| Q2 2024 | $30.5M | $27.7M | $19.9M | $3.2M | $116K | 0.76% | 3.76% | 1.98% | 1,743 |
Loan mix (Q2 2026): real estate $16.6M · commercial $0 · consumer $1.8M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 80.6% | 63rd |
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: Providence, RI, ranked 23rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Providence, RI | 1 | $27.2M* | 0.08% | 23rd |
Rhode Island: 29th with 0.05% · Providence-Warwick metro: 50th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1