| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.1% | +0.9 pts |
| Share growth (YoY) | +4.3% | +3.5% | +0.8 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.5 pts |
| ROA | 1.01% | 0.74% | +0.3 pts |
| ROE | 8.8% | 6.5% | +2.4 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $102.3M | $90.5M | $43.7M | $11.6M | $515K | 1.01% | 3.44% | 0.88% | 9,488 |
| Q1 2026 | $101.0M | $89.5M | $43.4M | $11.4M | $259K | 1.03% | 3.39% | 0.87% | 9,509 |
| Q4 2025 | $99.5M | $88.3M | $44.6M | $11.1M | $1.2M | 1.17% | 3.45% | 1.05% | 9,552 |
| Q3 2025 | $97.5M | $86.5M | $45.0M | $10.9M | $926K | 1.27% | 3.52% | 1.03% | 9,586 |
| Q2 2025 | $97.4M | $86.7M | $44.8M | $10.6M | $602K | 1.24% | 3.47% | 1.17% | 9,582 |
| Q1 2025 | $98.8M | $88.4M | $44.1M | $10.2M | $274K | 1.11% | 3.36% | 1.19% | 9,576 |
| Q4 2024 | $96.4M | $86.3M | $43.5M | $10.0M | $1.2M | 1.24% | 3.34% | 1.34% | 9,583 |
| Q3 2024 | $94.5M | $84.8M | $43.0M | $9.6M | $882K | 1.24% | 3.38% | 1.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.74% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 6.5% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 9,542 |
| Q2 2024 | $95.4M | $86.0M | $42.2M | $9.3M | $518K | 1.09% | 3.28% | 1.08% | 9,549 |
Loan mix (Q2 2026): real estate $12.8M · commercial $0 · consumer $27.3M · securities $42.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 77.5% | 45th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Chautauqua, NY, ranked 10th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chautauqua, NY | 4 | $90.5M* | 3.01% | 10th |
New York: 246th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4