| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.2% | +0.9% | +3.3 pts |
| Loan growth (YoY) | -11.8% | -2.6% | -9.2 pts |
| ROA | 1.52% | 0.65% | +0.9 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.9M | $9.1M | $6.4M | $2.8M | $90K | 1.52% | 3.36% | 4.58% | 731 |
| Q1 2026 | $12.2M | $9.5M | $6.8M | $2.8M | $60K | 1.95% | 3.33% | 3.25% | 739 |
| Q4 2025 | $12.1M | $9.4M | $7.3M | $2.7M | $244K | 2.01% | 3.64% | 0.00% | 741 |
| Q3 2025 | $12.1M | $9.4M | $7.1M | $2.7M | $207K | 2.28% | 3.67% | 0.00% | 751 |
| Q2 2025 | $11.4M | $8.7M | $7.2M | $2.6M | $141K | 2.47% | 3.88% | 0.00% | 758 |
| Q1 2025 | $10.9M | $8.4M | $7.5M | $2.6M | $72K | 2.63% | 4.03% | 0.00% | 755 |
| Q4 2024 | $10.9M | $8.4M | $7.9M | $2.5M | $173K | 1.59% | 4.42% | 0.00% | 762 |
| Q3 2024 | $11.6M | $9.1M | $8.6M | $2.5M | $201K | 2.32% | 4.20% | 0.40% | 772 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.5M | $9.1M | $8.9M | $2.4M | $-11K | -0.18% | 4.05% | 0.12% | 777 |
Loan mix (Q2 2026): real estate $0 · commercial $4.7M · consumer $1.3M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.0% | 80.6% | 1st |
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.
4 branches in 1 county across 1 state (+2 vs 2025). Biggest market: Albany, NY, ranked 27th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Albany, NY | 4 | $9.1M* | 0.04% | 27th |
New York: 400th with 0.00% · Albany-Schenectady-Troy metro: 34th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4