| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -6.5% | +0.9% | -7.5 pts |
| Loan growth (YoY) | -3.0% | -2.6% | -0.4 pts |
| ROA | -0.98% | 0.65% | -1.6 pts |
| ROE | -8.5% | 4.4% | -12.9 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $256K | $225K | $61K | $29K | $-1K | -0.98% | 3.18% | 12.81% | 181 |
| Q1 2026 | $277K | $245K | $66K | $33K | $5K | 6.53% | 0.25% | 18.64% | 182 |
| Q4 2025 | $244K | $221K | $72K | $23K | $-1K | -0.57% | 4.76% | 10.97% | 182 |
| Q3 2025 | $242K | $219K | $78K | $23K | $-9K | -4.81% | 4.44% | 12.55% | 182 |
| Q2 2025 | $263K | $241K | $63K | $22K | $-3K | -2.56% | 3.90% | 11.04% | 178 |
| Q1 2025 | $237K | $215K | $62K | $22K | $-915 | -1.54% | 5.92% | 4.93% | 177 |
| Q4 2024 | $235K | $204K | $66K | $31K | $-13K | -5.38% | 2.80% | 4.56% | 178 |
| Q3 2024 | $225K | $209K | $65K | $16K | $-6K | -3.60% | 2.44% | 2.19% | 176 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.98% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -8.5% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $202K |
| $183K |
| $70K |
| $19K |
| $-3K |
| -3.46% |
| 2.32% |
| 0.97% |
| 174 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $61K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.8% | 80.6% | 93rd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Westchester, NY, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westchester, NY | 2 | $225K* | 0.00% | 50th |
New York: 475th with 0.00% · New York-Newark-Jersey City metro: 337th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2