| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.7 pts |
| Loan growth (YoY) | +0.7% | -2.4% | +3.0 pts |
| ROA | 0.57% | 0.60% | -0.0 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.8M | $24.5M | $2.6M | $7.3M | $45K | 0.57% | 2.60% | 7.45% | 5,767 |
| Q4 2025 | $31.7M | $24.5M | $2.6M | $7.2M | $84K | 0.26% | 2.55% | 6.57% | 5,801 |
| Q3 2025 | $31.7M | $24.5M | $2.5M | $7.2M | $26K | 0.11% | 2.43% | 6.84% | 5,820 |
| Q2 2025 | $32.5M | $25.3M | $2.6M | $7.2M | $92K | 0.57% | 2.35% | 11.49% | 5,899 |
| Q1 2025 | $32.2M | $25.0M | $2.6M | $7.2M | $5K | 0.06% | 2.26% | 11.54% | 5,929 |
| Q4 2024 | $32.8M | $25.7M | $2.7M | $7.2M | $75K | 0.23% | 2.36% | 11.28% | 5,981 |
| Q3 2024 | $33.6M | $26.5M | $2.7M | $7.1M | $55K | 0.22% | 2.33% | 8.31% | 6,026 |
| Q2 2024 | $34.8M | $27.7M | $2.8M | $7.1M | $14K | 0.08% | 2.29% | 5.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,093 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $27.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 81.5% | 43rd |
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: New York, NY, ranked 88th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $25.3M* | 0.00% | 88th |
New York: 336th with 0.00% · New York-Newark-Jersey City metro: 216th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1