| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -3.4% | +0.7% | -4.0 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.8 pts |
| ROA | 1.40% | 0.60% | +0.8 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.9M | $6.1M | $2.4M | $824K | $24K | 1.40% | 4.07% | 0.00% | 578 |
| Q4 2025 | $7.0M | $6.1M | $2.4M | $800K | $82K | 1.18% | 3.36% | 0.01% | 585 |
| Q3 2025 | $7.0M | $6.2M | $2.5M | $785K | $66K | 1.27% | 3.39% | 0.41% | 587 |
| Q2 2025 | $7.1M | $6.3M | $2.6M | $762K | $44K | 1.24% | 3.22% | 0.29% | 585 |
| Q1 2025 | $7.1M | $6.3M | $2.4M | $744K | $26K | 1.46% | 3.33% | 0.00% | 599 |
| Q4 2024 | $6.9M | $6.2M | $2.3M | $718K | $55K | 0.80% | 3.11% | 0.00% | 598 |
| Q3 2024 | $6.9M | $6.2M | $2.2M | $707K | $44K | 0.85% | 3.07% | 1.05% | 608 |
| Q2 2024 | $6.9M | $6.2M | $2.2M | $691K | $28K | 0.81% | 3.08% | 0.00% | 617 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.60% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $292K · commercial $0 · consumer $1.9M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 81.5% | 11th |
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 2024). Biggest market: Onondaga, NY, ranked 34th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Onondaga, NY | 1 | $6.3M* | 0.04% | 34th |
New York: 409th with 0.00% · Syracuse metro: 39th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1