| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.5% | +1.3% | -10.8 pts |
| Share growth (YoY) | -10.5% | +0.9% | -11.4 pts |
| Loan growth (YoY) | -31.5% | -2.6% | -28.9 pts |
| ROA | 0.56% | 0.65% | -0.1 pts |
| ROE | 6.6% | 4.4% | +2.2 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $321K | $294K | $45K | $27K | $901 | 0.56% | 3.27% | 0.00% | 197 |
| Q1 2026 | $340K | $314K | $51K | $27K | $1K | 1.27% | 3.03% | 80.58% | 214 |
| Q4 2025 | $344K | $318K | $55K | $26K | $642 | 0.19% | 2.73% | 1.97% | 155 |
| Q3 2025 | $345K | $319K | $62K | $26K | $627 | 0.24% | 2.78% | 0.98% | 215 |
| Q2 2025 | $355K | $328K | $66K | $26K | $842 | 0.47% | 2.91% | 0.00% | 155 |
| Q1 2025 | $348K | $322K | $79K | $26K | $421 | 0.48% | 3.01% | 0.00% | 155 |
| Q4 2024 | $355K | $329K | $47K | $26K | $3K | 0.76% | 3.06% | 0.00% | 206 |
| Q3 2024 | $321K | $295K | $33K | $26K | $3K | 1.20% | 3.70% | 0.63% | 223 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $314K |
| $290K |
| $27K |
| $25K |
| $2K |
| 1.17% |
| 3.68% |
| 0.79% |
| 212 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8K · securities $214K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 80.6% | 57th |
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: Greater Bridgeport, CT, ranked 29th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greater Bridgeport, CT | 1 | $294K* | 0.00% | 29th |
Connecticut: 123rd with 0.00% · Bridgeport-Stamford-Danbury metro: 48th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1