| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +4.1% | +4.9 pts |
| Share growth (YoY) | +8.3% | +3.5% | +4.8 pts |
| Loan growth (YoY) | +6.4% | +2.9% | +3.5 pts |
| ROA | 0.34% | 0.74% | -0.4 pts |
| ROE | 2.6% | 6.5% | -3.9 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.4M | $120.2M | $98.2M | $18.3M | $240K | 0.34% | 3.47% | 0.07% | 6,076 |
| Q1 2026 | $143.2M | $124.1M | $97.0M | $18.2M | $115K | 0.32% | 3.39% | 0.10% | 5,861 |
| Q4 2025 | $143.3M | $124.3M | $96.9M | $18.1M | $531K | 0.37% | 3.25% | 0.11% | 6,178 |
| Q3 2025 | $134.1M | $115.1M | $95.1M | $17.9M | $362K | 0.36% | 3.38% | 0.51% | 6,319 |
| Q2 2025 | $127.9M | $110.9M | $92.3M | $17.7M | $198K | 0.31% | 3.50% | 0.28% | 6,274 |
| Q1 2025 | $135.5M | $118.8M | $91.5M | $17.6M | $72K | 0.21% | 3.29% | 0.01% | 5,028 |
| Q4 2024 | $129.1M | $112.4M | $89.4M | $17.5M | $516K | 0.40% | 3.47% | 0.02% | 5,111 |
| Q3 2024 | $128.3M | $111.5M | $88.8M | $17.4M | $338K | 0.35% | 3.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.74% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 6.5% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 6,999 |
| Q2 2024 | $130.0M | $113.1M | $86.1M | $17.2M | $205K | 0.32% | 3.50% | 0.31% | 7,081 |
Loan mix (Q2 2026): real estate $73.2M · commercial $21.5M · consumer $3.5M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.1% | 77.5% | 91st |
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: Suffolk, MA, ranked 28th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, MA | 2 | $120.2M* | 0.03% | 28th |
Massachusetts: 157th with 0.02% · Boston-Cambridge-Newton metro: 112th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2