| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -2.7% | +0.9% | -3.7 pts |
| Loan growth (YoY) | -14.2% | -2.6% | -11.6 pts |
| ROA | -0.52% | 0.65% | -1.2 pts |
| ROE | -4.4% | 4.4% | -8.7 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.2M | $20.4M | $13.4M | $2.8M | $-60K | -0.52% | 3.77% | 2.38% | 2,651 |
| Q1 2026 | $24.1M | $21.2M | $13.6M | $2.8M | $-18K | -0.29% | 3.65% | 1.59% | 2,758 |
| Q4 2025 | $23.4M | $20.5M | $14.3M | $2.8M | $-292K | -1.25% | 3.95% | 2.54% | 2,824 |
| Q3 2025 | $23.2M | $20.4M | $14.5M | $2.7M | $-796K | -4.58% | 0.46% | 2.19% | 2,833 |
| Q2 2025 | $24.3M | $21.0M | $15.6M | $3.3M | $149K | 1.23% | 6.20% | 3.43% | 2,919 |
| Q1 2025 | $25.2M | $22.2M | $16.2M | $3.0M | $-132K | -2.09% | 3.40% | 4.30% | 3,015 |
| Q4 2024 | $24.8M | $21.6M | $17.2M | $3.1M | $237K | 0.96% | 3.04% | 3.59% | 3,114 |
| Q3 2024 | $25.2M | $21.8M | $17.8M | $3.2M | $243K | 1.29% | 2.70% | 2.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.52% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -4.4% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,141 |
| Q2 2024 | $15.1M | $13.4M | $9.8M | $1.7M | $165K | 2.18% | 3.30% | 4.46% | 1,257 |
Loan mix (Q2 2026): real estate $5.4M · commercial $0 · consumer $6.6M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.2% | 80.6% | 88th |
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 2025). Biggest market: Niagara, NY, ranked 15th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Niagara, NY | 1 | $20.4M* | 0.42% | 15th |
New York: 354th with 0.00% · Buffalo-Cheektowaga metro: 58th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 1 · 2024 1 · 2025 1 · 2026 1