| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.3% | +1.3% | +19.0 pts |
| Share growth (YoY) | +284.6% | +0.9% | +283.7 pts |
| Loan growth (YoY) | +197.4% | -2.6% | +200.0 pts |
| ROA | -6.27% | 0.65% | -6.9 pts |
| ROE | -14.1% | 4.4% | -18.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.0M | $2.5M | $3.2M | $3.1M | $-221K | -6.27% | 4.12% | 0.83% | 267 |
| Q1 2026 | $6.9M | $2.3M | $2.6M | $3.2M | $-119K | -6.89% | 3.90% | 1.91% | 264 |
| Q4 2025 | $6.8M | $2.0M | $1.9M | $3.3M | $-1.3M | -19.80% | 4.10% | 2.37% | 237 |
| Q3 2025 | $6.5M | $1.5M | $1.6M | $3.7M | $-989K | -20.18% | 4.20% | 0.14% | 227 |
| Q2 2025 | $5.8M | $637K | $1.1M | $4.0M | $-704K | -24.08% | 4.74% | 0.00% | 106 |
| Q1 2025 | $5.9M | $564K | $438K | $4.2M | $-485K | -32.96% | 4.45% | 0.00% | 62 |
| Q4 2024 | $5.4M | $28K | $412 | $4.7M | $-508K | -9.35% | 4.67% | 0.00% | 56 |
| Q3 2024 | $5.5M | $4K | $1K | $4.9M | $-336K | -8.17% | 4.78% | 0.00% | 30 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.27% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -14.1% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.2M | $2K | $0 | $5.0M | $-181K | -6.91% | 5.14% | — | 33 |
Loan mix (Q2 2026): real estate $0 · commercial $893K · consumer $2.3M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 244.9% | 80.6% | 99th |
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: New York, NY, ranked 102nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $2.5M* | 0.00% | 102nd |
New York: 439th with 0.00% · New York-Newark-Jersey City metro: 303rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2023 1 · 2024 1 · 2025 1 · 2026 1