| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | +7.3% | +0.9% | +6.3 pts |
| Loan growth (YoY) | -25.4% | -2.6% | -22.8 pts |
| ROA | -16.46% | 0.65% | -17.1 pts |
| ROE | -76.0% | 4.4% | -80.4 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $221K | $173K | $75K | $48K | $-18K | -16.46% | 6.39% | 23.66% | 47 |
| Q1 2026 | $223K | $175K | $91K | $49K | $-15K | -27.16% | 5.83% | 24.80% | 48 |
| Q4 2025 | $224K | $159K | $95K | $66K | $-12K | -5.30% | 8.55% | 26.23% | 48 |
| Q3 2025 | $250K | $183K | $97K | $66K | $-11K | -5.64% | 8.05% | 18.15% | 57 |
| Q2 2025 | $231K | $161K | $101K | $69K | $-5K | -4.58% | 9.05% | 19.05% | 59 |
| Q1 2025 | $234K | $163K | $122K | $71K | $-2K | -2.74% | 9.23% | 16.87% | 59 |
| Q4 2024 | $228K | $144K | $122K | $84K | $-7K | -3.26% | 11.61% | 6.04% | 60 |
| Q3 2024 | $227K | $150K | $122K | $77K | $-7K | -4.25% | 12.35% | 6.06% | 60 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -16.46% | 0.65% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -76.0% | 4.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $265K | $187K | $133K | $78K | $-6K | -4.68% | 10.99% | 5.54% | 66 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $75K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 213.0% | 80.6% | 99th |
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 2 counties across 1 state (+1 vs 2025). Biggest market: Nassau, NY, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nassau, NY | 1 | $87K* | 0.00% | 55th |
| Queens, NY | 1 | $87K* | 0.00% | 74th |
New York: 476th with 0.00% · New York-Newark-Jersey City metro: 338th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2