| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +3.9% | +4.3 pts |
| Share growth (YoY) | +6.5% | +3.3% | +3.3 pts |
| Loan growth (YoY) | -9.7% | +2.9% | -12.6 pts |
| ROA | 2.01% | 0.69% | +1.3 pts |
| ROE | 12.4% | 5.9% | +6.5 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $175.0M | $145.7M | $74.9M | $28.4M | $881K | 2.01% | 3.91% | 0.04% | 9,408 |
| Q4 2025 | $169.9M | $141.4M | $78.0M | $27.5M | $4.3M | 2.52% | 4.02% | 0.11% | 9,486 |
| Q3 2025 | $167.3M | $139.7M | $80.1M | $26.6M | $3.3M | 2.63% | 4.06% | 0.07% | 9,596 |
| Q2 2025 | $166.2M | $139.9M | $82.4M | $25.5M | $2.2M | 2.64% | 4.50% | 0.15% | 9,649 |
| Q1 2025 | $161.7M | $136.7M | $82.9M | $24.2M | $900K | 2.23% | 4.02% | 0.16% | 9,649 |
| Q4 2024 | $155.2M | $131.1M | $85.3M | $23.3M | $3.8M | 2.46% | 4.09% | 0.18% | 9,615 |
| Q3 2024 | $150.9M | $127.4M | $86.8M | $22.5M | $2.9M | 2.55% | 4.23% | 0.24% | 9,663 |
| Q2 2024 | $151.0M | $128.3M | $87.3M | $21.5M | $1.9M | 2.50% | 4.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 5.9% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.10% |
| 9,651 |
Loan mix (Q1 2026): real estate $46.7M · commercial $2.4M · consumer $23.7M · securities $52.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 78.7% | 5th |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Livingston, NY, ranked 5th with 7.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Livingston, NY | 3 | $104.9M* | 6.97% | 5th |
| Wyoming, NY | 1 | $35.0M* | 1.51% | 5th |
New York: 206th with 0.01% · Rochester metro: 24th, 0.31% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4