| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | +5.5% | +0.9% | +4.5 pts |
| Loan growth (YoY) | +27.6% | -2.6% | +30.2 pts |
| ROA | 1.11% | 0.65% | +0.5 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $726K | $438K | $268K | $287K | $4K | 1.11% | 3.84% | 1.17% | 337 |
| Q1 2026 | $726K | $441K | $226K | $285K | $5K | 2.49% | 5.25% | 0.78% | 336 |
| Q4 2025 | $714K | $431K | $236K | $282K | $-1K | -0.19% | 4.57% | 0.37% | 335 |
| Q3 2025 | $701K | $381K | $224K | $319K | $30K | 5.66% | 12.29% | 1.21% | 329 |
| Q2 2025 | $736K | $415K | $210K | $320K | $36K | 9.70% | 13.21% | 1.56% | 327 |
| Q1 2025 | $639K | $347K | $223K | $288K | $3K | 2.13% | 5.52% | 1.30% | 325 |
| Q4 2024 | $632K | $344K | $247K | $285K | $9K | 1.36% | 5.06% | 0.67% | 324 |
| Q3 2024 | $649K | $363K | $206K | $285K | $9K | 1.85% | 4.37% | 0.19% | 323 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $636K |
| $352K |
| $167K |
| $281K |
| $3K |
| 1.07% |
| 3.93% |
| 4.10% |
| 319 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $268K · securities $173K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 80.6% | 28th |
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: New York, NY, ranked 108th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $438K* | 0.00% | 108th |
New York: 468th with 0.00% · New York-Newark-Jersey City metro: 330th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1