| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.1% | -6.8 pts |
| Share growth (YoY) | +1.5% | +3.5% | -2.1 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 1.11% | 0.74% | +0.4 pts |
| ROE | 8.5% | 6.5% | +2.0 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 | $183.7M | $161.7M | $90.7M | $24.0M | $1.0M | 1.11% | 3.73% | 1.70% | 13,233 |
| Q1 2026 | $180.8M | $159.3M | $89.4M | $23.3M | $307K | 0.68% | 3.71% | 0.85% | 13,355 |
| Q4 2025 | $179.4M | $157.7M | $89.5M | $23.0M | $2.1M | 1.18% | 3.63% | 1.95% | 13,326 |
| Q3 2025 | $176.6M | $155.6M | $88.4M | $22.4M | $1.6M | 1.18% | 3.64% | 1.54% | 13,279 |
| Q2 2025 | $188.7M | $159.4M | $88.2M | $21.8M | $1.0M | 1.06% | 3.33% | 1.34% | 13,233 |
| Q1 2025 | $187.7M | $159.2M | $88.2M | $21.2M | $317K | 0.68% | 3.22% | 0.61% | 11,304 |
| Q4 2024 | $182.5M | $155.0M | $86.8M | $20.8M | $2.0M | 1.11% | 3.10% | 0.72% | 13,300 |
| Q3 2024 | $182.3M | $153.5M | $86.1M | $20.5M | $1.7M | 1.23% | 3.06% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.74% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 6.5% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.13% |
| 13,311 |
| Q2 2024 | $172.0M | $155.6M | $84.7M | $19.8M | $948K | 1.10% | 3.18% | 0.79% | 13,324 |
Loan mix (Q2 2026): real estate $65.1M · commercial $0 · consumer $23.3M · securities $68.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 77.5% | 26th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Fulton, NY, ranked 3rd with 13.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fulton, NY | 3 | $161.7M* | 13.69% | 3rd |
New York: 203rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3