| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +1.3% | -7.7 pts |
| Share growth (YoY) | -9.0% | +0.9% | -9.9 pts |
| Loan growth (YoY) | +10.8% | -2.6% | +13.4 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 4.8% | 4.4% | +0.4 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $470K | $381K | $383K | $89K | $2K | 0.91% | 1.50% | 0.00% | 124 |
| Q1 2026 | $465K | $378K | $399K | $87K | $566 | 0.49% | 0.99% | 0.00% | 125 |
| Q4 2025 | $463K | $376K | $355K | $87K | $7K | 1.55% | 2.56% | 0.00% | 125 |
| Q3 2025 | $514K | $428K | $349K | $85K | $6K | 1.49% | 2.54% | 0.00% | 125 |
| Q2 2025 | $502K | $418K | $346K | $84K | $4K | 1.67% | 3.04% | 0.00% | 125 |
| Q1 2025 | $510K | $427K | $282K | $83K | $4K | 2.78% | 4.79% | 0.00% | 125 |
| Q4 2024 | $510K | $428K | $345K | $82K | $5K | 0.97% | 1.56% | 0.00% | 125 |
| Q3 2024 | $505K | $424K | $376K | $81K | $4K | 0.97% | 1.57% | 0.00% | 125 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $502K |
| $424K |
| $338K |
| $78K |
| $1K |
| 0.48% |
| 1.52% |
| 0.00% |
| 125 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $286K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.1% | 80.6% | 1st |
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: Nassau, NY, ranked 54th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nassau, NY | 2 | $381K* | 0.00% | 54th |
New York: 470th with 0.00% · New York-Newark-Jersey City metro: 332nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2