| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +1.3% | +9.9 pts |
| Share growth (YoY) | +12.6% | +0.9% | +11.6 pts |
| Loan growth (YoY) | +13.5% | -2.6% | +16.1 pts |
| ROA | 0.85% | 0.65% | +0.2 pts |
| ROE | 8.2% | 4.4% | +3.8 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.1M | $74.9M | $53.3M | $8.7M | $358K | 0.85% | 3.82% | 0.58% | 6,545 |
| Q1 2026 | $83.5M | $75.0M | $51.2M | $8.7M | $297K | 1.42% | 4.26% | 0.99% | 6,309 |
| Q4 2025 | $79.1M | $69.5M | $50.5M | $8.4M | $562K | 0.71% | 4.13% | 0.90% | 6,523 |
| Q3 2025 | $77.7M | $68.1M | $47.4M | $8.4M | $608K | 1.04% | 4.15% | 0.82% | 7,117 |
| Q2 2025 | $75.7M | $66.6M | $46.9M | $8.2M | $404K | 1.07% | 4.09% | 0.77% | 7,015 |
| Q1 2025 | $72.9M | $64.0M | $45.9M | $8.0M | $175K | 0.96% | 4.07% | 0.89% | 6,930 |
| Q4 2024 | $68.0M | $59.2M | $45.4M | $7.8M | $594K | 0.87% | 4.67% | 1.26% | 6,821 |
| Q3 2024 | $64.8M | $56.1M | $44.8M | $7.7M | $561K | 1.15% | 4.88% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.65% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,746 |
| Q2 2024 | $66.7M | $58.2M | $45.5M | $7.5M | $314K | 0.94% | 4.72% | 0.38% | 6,649 |
Loan mix (Q2 2026): real estate $19.4M · commercial $0 · consumer $27.2M · securities $21.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 80.6% | 51st |
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 2025). Biggest market: Washington, NY, ranked 6th with 5.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, NY | 3 | $56.2M* | 5.47% | 6th |
| Warren, NY | 1 | $18.7M* | 0.55% | 13th |
New York: 260th with 0.00% · Glens Falls metro: 11th, 1.69% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4