| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +8.3% | +0.9% | +7.4 pts |
| Loan growth (YoY) | +8.8% | -2.6% | +11.4 pts |
| ROA | -0.01% | 0.65% | -0.7 pts |
| ROE | -0.1% | 4.4% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.9M | $15.8M | $8.8M | $2.1M | $-1K | -0.01% | 3.86% | 0.49% | 1,139 |
| Q1 2026 | $17.4M | $15.3M | $8.7M | $2.1M | $9K | 0.20% | 3.92% | 0.97% | 1,140 |
| Q4 2025 | $16.9M | $14.8M | $8.4M | $2.1M | $153K | 0.90% | 3.95% | 0.84% | 1,146 |
| Q3 2025 | $17.7M | $15.7M | $8.4M | $2.0M | $111K | 0.83% | 3.71% | 0.00% | 1,155 |
| Q2 2025 | $16.7M | $14.6M | $8.1M | $2.0M | $76K | 0.91% | 3.91% | 0.10% | 1,147 |
| Q1 2025 | $16.6M | $14.6M | $7.9M | $2.0M | $28K | 0.68% | 3.77% | 0.00% | 1,139 |
| Q4 2024 | $16.1M | $14.1M | $7.9M | $1.9M | $79K | 0.49% | 3.65% | 1.82% | 1,148 |
| Q3 2024 | $15.8M | $13.9M | $7.8M | $1.9M | $56K | 0.47% | 3.64% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,095 |
| Q2 2024 | $15.0M | $13.0M | $7.9M | $1.9M | $41K | 0.55% | 3.61% | 0.13% | 1,063 |
Loan mix (Q2 2026): real estate $2.9M · commercial $1.7M · consumer $4.0M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 80.6% | 51st |
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 (+0 vs 2025). Biggest market: Albany, NY, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Albany, NY | 2 | $15.8M* | 0.07% | 24th |
New York: 374th with 0.00% · Albany-Schenectady-Troy metro: 31st, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2