| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.2% | +1.3% | -13.5 pts |
| Share growth (YoY) | -13.6% | +0.9% | -14.6 pts |
| Loan growth (YoY) | +6.8% | -2.6% | +9.4 pts |
| ROA | -0.15% | 0.65% | -0.8 pts |
| ROE | -1.0% | 4.4% | -5.4 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140K | $119K | $7K | $21K | $-108 | -0.15% | 1.11% | 0.00% | 194 |
| Q1 2026 | $132K | $111K | $5K | $21K | $-41 | -0.12% | 1.59% | 0.00% | 197 |
| Q4 2025 | $135K | $114K | $6K | $21K | $185 | 0.14% | 1.11% | 0.00% | 196 |
| Q3 2025 | $149K | $128K | $6K | $21K | $299 | 0.27% | 0.95% | 0.00% | 195 |
| Q2 2025 | $160K | $138K | $6K | $21K | $699 | 0.88% | 1.20% | 0.00% | 194 |
| Q1 2025 | $161K | $140K | $4K | $21K | $-201 | -0.50% | 2.14% | 0.00% | 215 |
| Q4 2024 | $171K | $151K | $5K | $21K | $841 | 0.49% | 2.61% | 0.00% | 249 |
| Q3 2024 | $150K | $128K | $6K | $21K | $2K | 1.43% | 2.92% | 0.00% | 248 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.15% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.0% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $147K |
| $126K |
| $7K |
| $21K |
| $2K |
| 2.12% |
| 2.84% |
| 0.00% |
| 249 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7K · securities $46K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.3% | 80.6% | 92nd |
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: Greater Bridgeport, CT, ranked 30th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greater Bridgeport, CT | 1 | $119K* | 0.00% | 30th |
Connecticut: 126th with 0.00% · Bridgeport-Stamford-Danbury metro: 49th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1