| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | -1.5% | +0.9% | -2.4 pts |
| Loan growth (YoY) | +22.9% | -2.6% | +25.5 pts |
| ROA | 0.25% | 0.65% | -0.4 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.3M | $57.8M | $44.0M | $5.2M | $78K | 0.25% | 3.35% | 0.66% | 3,482 |
| Q1 2026 | $62.7M | $56.9M | $41.5M | $5.1M | $4K | 0.03% | 3.26% | 0.45% | 3,447 |
| Q4 2025 | $61.6M | $55.8M | $39.4M | $5.1M | $61K | 0.10% | 2.98% | 0.41% | 3,465 |
| Q3 2025 | $64.5M | $57.2M | $38.2M | $5.1M | $10K | 0.02% | 2.75% | 1.39% | 3,483 |
| Q2 2025 | $64.2M | $58.7M | $35.8M | $5.0M | $-12K | -0.04% | 2.60% | 0.52% | 3,721 |
| Q1 2025 | $64.3M | $58.5M | $35.4M | $5.1M | $31K | 0.19% | 2.51% | 0.42% | 3,836 |
| Q4 2024 | $60.1M | $54.8M | $35.6M | $5.1M | $18K | 0.03% | 2.40% | 1.63% | 3,818 |
| Q3 2024 | $57.7M | $51.7M | $33.5M | $5.1M | $63K | 0.15% | 2.46% | 1.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,834 |
| Q2 2024 | $58.9M | $53.2M | $32.3M | $5.1M | $39K | 0.13% | 2.41% | 0.73% | 3,835 |
Loan mix (Q2 2026): real estate $30.8M · commercial $0 · consumer $11.4M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 80.6% | 60th |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Plymouth, MA, ranked 27th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Plymouth, MA | 2 | $38.5M* | 0.18% | 27th |
| Milwaukee, WI | 1 | $19.3M* | 0.03% | 42nd |
Massachusetts: 187th with 0.01% · Wisconsin: 283rd with 0.01% · Boston-Cambridge-Newton metro: 138th, 0.01% · Milwaukee-Waukesha metro: 74th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 3