| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.6% | +1.3% | -10.9 pts |
| Share growth (YoY) | -8.6% | +0.9% | -9.6 pts |
| Loan growth (YoY) | -38.0% | -2.6% | -35.4 pts |
| ROA | -2.08% | 0.65% | -2.7 pts |
| ROE | -18.7% | 4.4% | -23.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.9M | $6.1M | $436K | $766K | $-72K | -2.08% | 2.70% | 0.00% | 431 |
| Q1 2026 | $7.0M | $6.2M | $505K | $821K | $-16K | -0.94% | 3.42% | 0.00% | 439 |
| Q4 2025 | $7.2M | $6.3M | $581K | $838K | $-32K | -0.44% | 3.03% | 0.00% | 436 |
| Q3 2025 | $7.4M | $6.5M | $678K | $874K | $5K | 0.09% | 3.03% | 0.00% | 440 |
| Q2 2025 | $7.6M | $6.7M | $703K | $923K | $54K | 1.43% | 2.98% | 2.17% | 483 |
| Q1 2025 | $8.2M | $7.2M | $767K | $962K | $92K | 4.53% | 2.85% | 0.59% | 493 |
| Q4 2024 | $8.1M | $7.2M | $831K | $869K | $566K | 6.97% | 2.90% | 3.56% | 502 |
| Q3 2024 | $8.5M | $7.5M | $935K | $895K | $592K | 9.30% | 2.78% | 0.00% | 591 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.08% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -18.7% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.6M | $7.6M | $958K | $921K | $618K | 14.39% | 2.61% | 0.00% | 563 |
Loan mix (Q2 2026): real estate $0 · commercial $128K · consumer $204K · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 164.6% | 80.6% | 98th |
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: Kings, NY, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kings, NY | 1 | $6.1M* | 0.01% | 50th |
New York: 420th with 0.00% · New York-Newark-Jersey City metro: 279th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1