| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -4.2% | +0.9% | -5.1 pts |
| Loan growth (YoY) | -19.3% | -2.6% | -16.6 pts |
| ROA | 0.45% | 0.65% | -0.2 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.3M | $8.0M | $2.0M | $1.3M | $21K | 0.45% | 3.62% | 2.38% | 816 |
| Q1 2026 | $9.3M | $8.0M | $2.0M | $1.3M | $25K | 1.08% | 3.73% | 2.16% | 1,063 |
| Q4 2025 | $9.3M | $8.0M | $2.3M | $1.3M | $39K | 0.42% | 3.38% | 2.04% | 1,091 |
| Q3 2025 | $9.4M | $8.2M | $2.4M | $1.2M | $30K | 0.43% | 3.35% | 2.10% | 880 |
| Q2 2025 | $9.6M | $8.3M | $2.4M | $1.2M | $14K | 0.28% | 3.41% | 2.29% | 892 |
| Q1 2025 | $9.2M | $7.9M | $2.6M | $1.2M | $18K | 0.77% | 3.96% | 1.39% | 903 |
| Q4 2024 | $8.8M | $7.6M | $2.6M | $1.2M | $-222K | -2.52% | 0.35% | 0.01% | 1,135 |
| Q3 2024 | $8.6M | $7.3M | $2.6M | $1.2M | $39K | 0.61% | 3.91% | 1.81% | 1,136 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.8M | $7.5M | $2.7M | $1.2M | $30K | 0.69% | 3.92% | 0.05% | 1,022 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 80.6% | 62nd |
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 2025). Biggest market: Norfolk, MA, ranked 54th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Norfolk, MA | 1 | $8.0M* | 0.01% | 54th |
Massachusetts: 224th with 0.00% · Boston-Cambridge-Newton metro: 168th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1