| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -1.8% | +0.9% | -2.7 pts |
| Loan growth (YoY) | +10.0% | -2.6% | +12.6 pts |
| ROA | 0.51% | 0.65% | -0.1 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.4M | $28.2M | $13.9M | $2.3M | $78K | 0.51% | 3.94% | 0.24% | 2,013 |
| Q1 2026 | $31.4M | $29.2M | $13.1M | $2.3M | $42K | 0.54% | 3.75% | 0.25% | 2,222 |
| Q4 2025 | $30.5M | $28.2M | $13.2M | $2.3M | $166K | 0.55% | 3.53% | 0.73% | 2,219 |
| Q3 2025 | $30.3M | $28.1M | $13.8M | $2.2M | $162K | 0.71% | 3.49% | 0.35% | 2,221 |
| Q2 2025 | $30.9M | $28.7M | $12.6M | $2.2M | $55K | 0.36% | 3.27% | 0.43% | 2,182 |
| Q1 2025 | $30.6M | $28.6M | $12.5M | $2.1M | $25K | 0.33% | 3.11% | 0.34% | 2,198 |
| Q4 2024 | $30.0M | $27.9M | $12.8M | $2.1M | $108K | 0.36% | 3.01% | 0.68% | 2,217 |
| Q3 2024 | $30.1M | $28.2M | $13.2M | $2.1M | $54K | 0.24% | 2.94% | 0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,109 |
| Q2 2024 | $31.1M | $29.1M | $11.7M | $2.0M | $16K | 0.10% | 2.79% | 0.22% | 2,099 |
Loan mix (Q2 2026): real estate $3.9M · commercial $0 · consumer $9.8M · securities $12.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 80.6% | 62nd |
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: Monroe, NY, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, NY | 1 | $28.2M* | 0.10% | 32nd |
New York: 332nd with 0.00% · Rochester metro: 38th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1