| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.7% | +0.9% | -1.7 pts |
| Loan growth (YoY) | +4.3% | -2.6% | +6.9 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 1.6% | 4.4% | -2.8 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.6M | $2.5M | $2.1M | $1.1M | $9K | 0.48% | 2.80% | 3.22% | 808 |
| Q1 2026 | $3.7M | $2.6M | $2.1M | $1.1M | $7K | 0.71% | 6.20% | 2.38% | 828 |
| Q4 2025 | $3.6M | $2.5M | $2.1M | $1.1M | $12K | 0.34% | 5.90% | 1.72% | 801 |
| Q3 2025 | $3.7M | $2.6M | $2.0M | $1.1M | $6K | 0.24% | 5.79% | 2.39% | 796 |
| Q2 2025 | $3.6M | $2.5M | $2.0M | $1.1M | $2K | 0.11% | 5.72% | 2.00% | 797 |
| Q1 2025 | $3.5M | $2.4M | $1.9M | $1.1M | $2K | 0.21% | 5.63% | 0.00% | 784 |
| Q4 2024 | $3.5M | $2.4M | $1.8M | $1.0M | $-35K | -1.00% | 5.27% | 6.51% | 782 |
| Q3 2024 | $3.4M | $2.3M | $1.7M | $1.1M | $-34K | -1.31% | 5.21% | 2.87% | 761 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.6M |
| $2.5M |
| $1.7M |
| $1.1M |
| $-27K |
| -1.51% |
| 5.14% |
| 1.82% |
| 761 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $992K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 80.6% | 61st |
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 (+2 vs 2025). Biggest market: New York, NY, ranked 101st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 3 | $2.5M* | 0.00% | 101st |
New York: 438th with 0.00% · New York-Newark-Jersey City metro: 302nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3