| Metric | Connected Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.1% | +0.4 pts |
| Share growth (YoY) | +4.2% | +3.5% | +0.7 pts |
| Loan growth (YoY) | +0.4% | +2.9% | -2.5 pts |
| ROA | 0.51% | 0.74% | -0.2 pts |
| ROE | 4.6% | 6.5% | -1.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.9M | $118.2M | $48.9M | $14.8M | $344K | 0.51% | 3.36% | 0.47% | 7,567 |
| Q1 2026 | $133.6M | $118.0M | $46.9M | $14.8M | $326K | 0.98% | 3.27% | 0.23% | 7,611 |
| Q4 2025 | $129.5M | $114.2M | $47.8M | $14.5M | $1.1M | 0.88% | 3.36% | 0.47% | 7,651 |
| Q3 2025 | $130.0M | $114.8M | $47.6M | $14.3M | $928K | 0.95% | 3.32% | 0.48% | 7,747 |
| Q2 2025 | $128.2M | $113.4M | $48.7M | $13.8M | $486K | 0.76% | 3.23% | 0.46% | 7,820 |
| Q1 2025 | $128.0M | $112.1M | $48.4M | $13.6M | $213K | 0.67% | 3.10% | 0.55% | 7,848 |
| Q4 2024 | $121.8M | $106.4M | $49.9M | $13.3M | $1.4M | 1.13% | 3.29% | 1.04% | 7,876 |
| Q3 2024 | $119.3M | $105.4M | $50.6M | $12.9M | $974K | 1.09% | 3.31% |
| Ratio | Connected Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.74% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 6.5% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 7,965 |
| Q2 2024 | $120.3M | $106.3M | $51.1M | $12.6M | $674K | 1.12% | 3.26% | 0.45% | 8,026 |
Loan mix (Q2 2026): real estate $18.8M · commercial $481K · consumer $24.1M · securities $56.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 77.5% | 81st |
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 | Connected Credit Union | 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 | Connected Credit Union | 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 | Connected Credit Union | 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 | Connected Credit Union | 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 | Connected Credit Union | 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kennebec, ME, ranked 10th with 2.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kennebec, ME | 2 | $118.2M* | 2.67% | 10th |
Maine: 57th with 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2