| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.5 pts |
| Share growth (YoY) | -7.8% | +0.7% | -8.5 pts |
| Loan growth (YoY) | -9.9% | -2.4% | -7.6 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 10.0% | 4.1% | +5.9 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.9M | $19.8M | $8.6M | $1.7M | $44K | 0.80% | 3.38% | 0.00% | 1,926 |
| Q4 2025 | $21.1M | $19.2M | $9.0M | $1.7M | $240K | 1.14% | 3.80% | 0.30% | 1,922 |
| Q3 2025 | $20.6M | $18.9M | $9.2M | $1.7M | $187K | 1.21% | 3.87% | 1.39% | 1,935 |
| Q2 2025 | $21.6M | $19.5M | $9.5M | $1.6M | $124K | 1.15% | 3.62% | 0.76% | 2,060 |
| Q1 2025 | $23.3M | $21.5M | $9.5M | $1.5M | $62K | 1.07% | 3.22% | 0.00% | 2,067 |
| Q4 2024 | $20.8M | $19.1M | $9.8M | $1.5M | $129K | 0.62% | 3.08% | 0.35% | 2,061 |
| Q3 2024 | $20.2M | $18.7M | $9.9M | $1.4M | $95K | 0.63% | 3.06% | 0.51% | 2,071 |
| Q2 2024 | $21.6M | $19.9M | $10.2M | $1.4M | $52K | 0.48% | 2.70% | 1.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,179 |
Loan mix (Q1 2026): real estate $3.8M · commercial $0 · consumer $4.1M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 81.5% | 45th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Warren, NY, ranked 10th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Warren, NY | 2 | $19.5M* | 0.57% | 10th |
New York: 352nd with 0.00% · Glens Falls metro: 11th, 0.44% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2