| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -2.2% | +0.9% | -3.1 pts |
| Loan growth (YoY) | +3.5% | -2.6% | +6.1 pts |
| ROA | -0.15% | 0.65% | -0.8 pts |
| ROE | -1.9% | 4.4% | -6.3 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.7M | $84.6M | $61.3M | $7.0M | $-67K | -0.15% | 4.96% | 2.85% | 10,580 |
| Q1 2026 | $92.2M | $85.0M | $59.9M | $6.9M | $-106K | -0.46% | 4.88% | 2.04% | 10,568 |
| Q4 2025 | $92.7M | $85.4M | $59.3M | $7.1M | $-563K | -0.61% | 4.78% | 2.27% | 10,438 |
| Q3 2025 | $89.6M | $82.6M | $59.5M | $7.0M | $-624K | -0.93% | 4.90% | 2.16% | 10,429 |
| Q2 2025 | $93.6M | $86.4M | $59.3M | $7.0M | $-608K | -1.30% | 4.55% | 1.29% | 10,509 |
| Q1 2025 | $95.3M | $87.7M | $58.6M | $7.4M | $-210K | -0.88% | 4.31% | 3.57% | 10,532 |
| Q4 2024 | $94.3M | $86.4M | $59.6M | $7.6M | $-1.1M | -1.16% | 4.30% | 3.48% | 10,392 |
| Q3 2024 | $94.2M | $86.3M | $60.3M | $7.7M | $-978K | -1.38% | 4.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.15% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3.94% |
| 10,195 |
| Q2 2024 | $96.5M | $87.7M | $60.4M | $8.3M | $-442K | -0.92% | 4.06% | 3.41% | 10,146 |
Loan mix (Q2 2026): real estate $32.3M · commercial $504K · consumer $26.2M · securities $17.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.6% | 80.6% | 88th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Erie, NY, ranked 29th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 3 | $84.6M* | 0.13% | 29th |
New York: 250th with 0.00% · Buffalo-Cheektowaga metro: 31st, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3