| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -1.9% | +0.9% | -2.9 pts |
| Loan growth (YoY) | -8.2% | -2.6% | -5.6 pts |
| ROA | -1.63% | 0.65% | -2.3 pts |
| ROE | -16.2% | 4.4% | -20.5 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.0M | $67.6M | $29.6M | $7.7M | $-621K | -1.63% | 3.14% | 0.32% | 4,849 |
| Q1 2026 | $77.0M | $68.0M | $30.4M | $8.4M | $-108K | -0.56% | 2.90% | 0.38% | 4,918 |
| Q4 2025 | $77.4M | $68.1M | $31.2M | $8.5M | $270K | 0.35% | 2.98% | 0.58% | 4,985 |
| Q3 2025 | $77.7M | $69.0M | $32.2M | $8.7M | $435K | 0.75% | 2.85% | 0.55% | 5,062 |
| Q2 2025 | $77.1M | $69.0M | $32.3M | $8.1M | $-141K | -0.37% | 2.77% | 0.51% | 5,085 |
| Q1 2025 | $77.7M | $69.1M | $31.5M | $8.3M | $-125K | -0.64% | 2.67% | 0.56% | 5,096 |
| Q4 2024 | $76.8M | $68.5M | $30.8M | $8.4M | $66K | 0.09% | 2.85% | 0.40% | 5,117 |
| Q3 2024 | $77.5M | $69.0M | $30.8M | $8.4M | $116K | 0.20% | 2.82% | 0.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.63% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -16.2% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,241 |
| Q2 2024 | $77.8M | $69.5M | $30.8M | $8.4M | $66K | 0.17% | 2.90% | 0.12% | 5,373 |
Loan mix (Q2 2026): real estate $6.4M · commercial $0 · consumer $21.3M · securities $22.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 142.4% | 80.6% | 98th |
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 (-1 vs 2025). Biggest market: Erie, NY, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 2 | $67.6M* | 0.10% | 33rd |
New York: 268th with 0.00% · Buffalo-Cheektowaga metro: 35th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 3 · 2026 2