| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.9% | -4.3 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.4 pts |
| Loan growth (YoY) | -0.5% | +2.9% | -3.4 pts |
| ROA | 0.15% | 0.69% | -0.5 pts |
| ROE | 2.1% | 5.9% | -3.9 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $177.8M | $161.0M | $112.2M | $12.9M | $67K | 0.15% | 3.50% | 0.47% | 9,893 |
| Q4 2025 | $176.3M | $159.0M | $112.2M | $12.8M | $356K | 0.20% | 3.57% | 0.33% | 10,096 |
| Q3 2025 | $174.3M | $156.9M | $113.4M | $12.8M | $359K | 0.27% | 3.62% | 0.42% | 11,761 |
| Q2 2025 | $175.4M | $158.7M | $113.5M | $13.6M | $1.2M | 1.34% | 3.54% | 0.36% | 12,437 |
| Q1 2025 | $178.5M | $159.7M | $112.7M | $13.7M | $1.2M | 2.73% | 3.28% | 0.30% | 12,636 |
| Q4 2024 | $169.8M | $157.2M | $113.5M | $12.5M | $16K | 0.01% | 3.51% | 0.45% | 12,787 |
| Q3 2024 | $169.0M | $156.2M | $117.0M | $12.3M | $-179K | -0.14% | 3.49% | 0.65% | 12,826 |
| Q2 2024 | $172.4M | $159.4M | $120.0M | $12.3M | $-182K | -0.21% | 3.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 12,921 |
Loan mix (Q1 2026): real estate $61.5M · commercial $455K · consumer $47.3M · securities $35.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 78.7% | 91st |
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.
3 branches in 1 county across 1 state (-1 vs 2024). Biggest market: South Central Connecticut, CT, ranked 28th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| South Central Connecticut, CT | 1 | $52.9M* | 0.25% | 28th |
Connecticut: 57th with 0.11% · New Haven metro: 28th, 0.25% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 4 · 2024 4 · 2025 3