| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.8 pts |
| Share growth (YoY) | -4.8% | +0.9% | -5.7 pts |
| Loan growth (YoY) | +1.2% | -2.6% | +3.8 pts |
| ROA | 0.96% | 0.65% | +0.3 pts |
| ROE | 10.2% | 4.4% | +5.9 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.8M | $41.4M | $17.2M | $4.3M | $221K | 0.96% | 3.50% | 0.28% | 3,394 |
| Q1 2026 | $45.4M | $41.1M | $17.3M | $4.2M | $93K | 0.82% | 3.29% | 0.31% | 3,486 |
| Q4 2025 | $44.2M | $39.9M | $17.7M | $4.1M | $364K | 0.82% | 3.34% | 0.23% | 3,497 |
| Q3 2025 | $44.3M | $40.2M | $17.5M | $4.0M | $282K | 0.85% | 3.30% | 0.16% | 3,532 |
| Q2 2025 | $47.5M | $43.5M | $17.0M | $3.9M | $184K | 0.77% | 3.01% | 0.32% | 3,552 |
| Q1 2025 | $43.2M | $39.3M | $15.9M | $3.8M | $61K | 0.56% | 2.98% | 0.26% | 3,584 |
| Q4 2024 | $42.9M | $39.1M | $16.1M | $3.7M | $358K | 0.83% | 3.13% | 0.46% | 3,634 |
| Q3 2024 | $42.3M | $38.5M | $17.3M | $3.7M | $286K | 0.90% | 3.21% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,666 |
| Q2 2024 | $42.8M | $39.0M | $17.6M | $3.6M | $194K | 0.91% | 3.21% | 0.24% | 3,694 |
Loan mix (Q2 2026): real estate $10.7M · commercial $0 · consumer $6.3M · securities $26.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 80.6% | 36th |
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.
5 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Capitol, CT, ranked 42nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Capitol, CT | 4 | $33.1M* | 0.06% | 42nd |
| Salt Lake, UT | 1 | $8.3M* | 0.00% | 117th |
Connecticut: 90th with 0.02% · Utah: 143rd with 0.00% · Hartford-West Hartford-East Hartford metro: 44th, 0.05% · Salt Lake City-Murray metro: 117th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 4 · 2026 5