| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +1.3% | -9.8 pts |
| Share growth (YoY) | -7.4% | +0.7% | -8.1 pts |
| Loan growth (YoY) | -22.7% | -2.4% | -20.4 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.0M | $7.3M | $4.2M | $1.4M | $10K | 0.47% | 5.21% | 7.29% | 2,477 |
| Q4 2025 | $9.0M | $7.6M | $4.5M | $1.4M | $-321K | -3.57% | 4.63% | 5.75% | 2,482 |
| Q3 2025 | $9.0M | $7.4M | $4.8M | $1.5M | $-206K | -3.04% | 4.61% | 8.01% | 2,482 |
| Q2 2025 | $9.3M | $7.7M | $5.1M | $1.6M | $-86K | -1.86% | 4.57% | 5.82% | 2,471 |
| Q1 2025 | $9.8M | $7.9M | $5.4M | $1.6M | $-60K | -2.45% | 4.46% | 5.43% | 2,476 |
| Q4 2024 | $9.6M | $7.9M | $5.7M | $1.7M | $12K | 0.12% | 5.72% | 4.76% | 2,516 |
| Q3 2024 | $10.2M | $8.2M | $6.0M | $1.7M | $11K | 0.15% | 5.51% | 4.31% | 2,526 |
| Q2 2024 | $10.2M | $8.2M | $6.2M | $1.7M | $44K | 0.87% | 5.73% | 4.64% | 2,399 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.1M · securities $560K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 81.5% | 75th |
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: Richmond, NY, ranked 19th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Richmond, NY | 1 | $7.7M* | 0.04% | 19th |
New York: 399th with 0.00% · New York-Newark-Jersey City metro: 261st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1