| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -5.0 pts |
| Share growth (YoY) | -6.1% | +0.7% | -6.8 pts |
| Loan growth (YoY) | -1.5% | -2.3% | +0.8 pts |
| ROA | 1.50% | 0.65% | +0.9 pts |
| ROE | 11.0% | 4.4% | +6.6 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.5M | $59.5M | $29.8M | $9.5M | $522K | 1.50% | 4.12% | 1.64% | 7,863 |
| Q1 2026 | $68.6M | $59.1M | $27.0M | $9.3M | $271K | 1.58% | 4.29% | 0.58% | 7,862 |
| Q4 2025 | $69.3M | $60.0M | $27.4M | $9.0M | $700K | 1.01% | 4.02% | 1.38% | 7,865 |
| Q3 2025 | $67.5M | $58.0M | $26.8M | $8.9M | $564K | 1.11% | 4.06% | 1.64% | 7,877 |
| Q2 2025 | $69.6M | $60.7M | $26.9M | $8.7M | $341K | 0.98% | 3.88% | 1.20% | 7,917 |
| Q1 2025 | $71.2M | $62.9M | $27.4M | $8.6M | $197K | 1.11% | 3.73% | 1.01% | 7,971 |
| Q4 2024 | $71.0M | $63.2M | $28.2M | $8.4M | $527K | 0.74% | 3.85% | 1.30% | 8,000 |
| Q3 2024 | $69.6M | $61.1M | $28.7M | $8.3M | $372K | 0.71% | 3.72% | 0.93% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,046 |
| Q2 2024 | $68.6M | $61.2M | $28.7M | $8.2M | $320K | 0.93% | 3.81% | 0.96% | 8,058 |
Loan mix (Q2 2026): real estate $12.0M · commercial $0 · consumer $17.6M · securities $26.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 81.5% | 26th |
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: Niagara, NY, ranked 11th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Niagara, NY | 2 | $60.7M* | 1.28% | 11th |
New York: 267th with 0.00% · Buffalo-Cheektowaga metro: 34th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2