| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.1% | -1.8 pts |
| Share growth (YoY) | +3.1% | +3.5% | -0.4 pts |
| Loan growth (YoY) | +1.7% | +2.9% | -1.1 pts |
| ROA | 1.11% | 0.74% | +0.4 pts |
| ROE | 7.6% | 6.5% | +1.2 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $320.3M | $273.9M | $205.9M | $46.6M | $1.8M | 1.11% | 3.87% | 0.51% | 22,723 |
| Q1 2026 | $319.7M | $271.7M | $206.0M | $45.7M | $877K | 1.10% | 3.80% | 0.51% | 22,682 |
| Q4 2025 | $312.5M | $263.6M | $206.5M | $44.8M | $3.7M | 1.19% | 3.74% | 0.51% | 22,549 |
| Q3 2025 | $308.3M | $258.9M | $204.7M | $43.7M | $2.6M | 1.14% | 3.71% | 0.54% | 22,425 |
| Q2 2025 | $313.2M | $265.6M | $202.4M | $42.8M | $1.7M | 1.10% | 3.57% | 0.38% | 22,307 |
| Q1 2025 | $305.8M | $256.6M | $198.0M | $41.9M | $749K | 0.98% | 3.57% | 0.39% | 22,206 |
| Q4 2024 | $297.3M | $248.6M | $199.2M | $41.1M | $3.3M | 1.11% | 3.56% | 0.37% | 22,065 |
| Q3 2024 | $304.6M | $253.3M | $203.0M | $40.2M | $2.4M | 1.03% | 3.42% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.74% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.5% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 22,053 |
| Q2 2024 | $302.5M | $252.9M | $202.9M | $39.3M | $1.5M | 0.98% | 3.41% | 0.30% | 21,863 |
Loan mix (Q2 2026): real estate $98.5M · commercial $22.5M · consumer $75.7M · securities $70.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 77.5% | 38th |
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.
5 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Clinton, NY, ranked 4th with 9.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clinton, NY | 5 | $273.9M* | 9.44% | 4th |
New York: 168th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5