| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -6.6% | +0.9% | -7.6 pts |
| Loan growth (YoY) | -0.0% | -2.6% | +2.6 pts |
| ROA | 0.32% | 0.65% | -0.3 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.9M | $67.8M | $21.1M | $9.0M | $122K | 0.32% | 2.56% | 1.83% | 3,742 |
| Q1 2026 | $77.9M | $68.8M | $20.9M | $9.0M | $40K | 0.21% | 2.53% | 2.23% | 3,748 |
| Q4 2025 | $76.7M | $67.6M | $20.2M | $8.9M | $142K | 0.18% | 2.40% | 2.30% | 3,867 |
| Q3 2025 | $77.7M | $69.1M | $20.6M | $8.9M | $93K | 0.16% | 2.32% | 2.12% | 3,824 |
| Q2 2025 | $81.2M | $72.6M | $21.1M | $8.8M | $57K | 0.14% | 2.17% | 2.08% | 3,847 |
| Q1 2025 | $81.3M | $73.0M | $21.3M | $8.8M | $8K | 0.04% | 2.09% | 2.58% | 3,876 |
| Q4 2024 | $79.6M | $71.3M | $21.1M | $8.8M | $-195K | -0.25% | 2.02% | 2.50% | 3,887 |
| Q3 2024 | $82.8M | $73.7M | $22.2M | $8.8M | $-163K | -0.26% | 1.92% | 2.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,961 |
| Q2 2024 | $84.4M | $74.9M | $26.7M | $8.8M | $-133K | -0.32% | 1.88% | 21.18% | 3,996 |
Loan mix (Q2 2026): real estate $10.9M · commercial $2.5M · consumer $6.2M · securities $51.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 80.6% | 69th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: New York, NY, ranked 80th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 2 | $45.2M* | 0.00% | 80th |
| Queens, NY | 1 | $22.6M* | 0.03% | 64th |
New York: 267th with 0.00% · New York-Newark-Jersey City metro: 190th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3