| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -5.0% | +0.9% | -6.0 pts |
| Loan growth (YoY) | -4.5% | -2.6% | -1.9 pts |
| ROA | -0.15% | 0.65% | -0.8 pts |
| ROE | -1.4% | 4.4% | -5.8 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 | $56.1M | $48.9M | $16.0M | $6.2M | $-42K | -0.15% | 4.19% | 1.04% | 6,215 |
| Q1 2026 | $56.4M | $48.8M | $15.5M | $6.3M | $51K | 0.36% | 4.14% | 1.34% | 6,178 |
| Q4 2025 | $56.2M | $49.0M | $16.3M | $6.0M | $71K | 0.13% | 3.85% | 3.25% | 5,656 |
| Q3 2025 | $55.9M | $49.2M | $16.2M | $6.0M | $50K | 0.12% | 3.78% | 2.89% | 6,409 |
| Q2 2025 | $58.8M | $51.5M | $16.7M | $6.0M | $5K | 0.02% | 3.51% | 1.03% | 6,339 |
| Q1 2025 | $55.6M | $51.8M | $16.3M | $6.0M | $19K | 0.13% | 3.66% | 0.69% | 6,366 |
| Q4 2024 | $57.5M | $51.4M | $16.6M | $6.0M | $164K | 0.29% | 2.88% | 0.35% | 6,151 |
| Q3 2024 | $51.7M | $46.2M | $14.4M | $5.6M | $-248K | -0.64% | 3.10% | 0.46% |
| 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 | -1.4% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,691 |
| Q2 2024 | $54.1M | $49.0M | $14.1M | $5.7M | $-152K | -0.56% | 2.94% | 0.62% | 5,744 |
Loan mix (Q2 2026): real estate $4.9M · commercial $0 · consumer $10.8M · securities $28.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.5% | 80.6% | 85th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Westchester, NY, ranked 37th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westchester, NY | 2 | $48.9M* | 0.02% | 37th |
New York: 291st with 0.00% · New York-Newark-Jersey City metro: 205th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2