| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.5 pts |
| Loan growth (YoY) | -13.7% | -2.6% | -11.0 pts |
| ROA | 0.90% | 0.65% | +0.3 pts |
| ROE | 7.3% | 4.4% | +3.0 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.0M | $11.4M | $6.6M | $1.6M | $58K | 0.90% | 4.24% | 0.05% | 1,324 |
| Q1 2026 | $12.9M | $11.3M | $6.7M | $1.6M | $25K | 0.78% | 4.25% | 0.82% | 1,341 |
| Q4 2025 | $12.4M | $10.8M | $7.1M | $1.5M | $167K | 1.35% | 4.83% | 0.98% | 1,353 |
| Q3 2025 | $11.9M | $10.5M | $7.5M | $1.5M | $142K | 1.59% | 5.07% | 0.68% | 1,367 |
| Q2 2025 | $12.7M | $11.2M | $7.6M | $1.5M | $94K | 1.49% | 4.66% | 0.13% | 1,383 |
| Q1 2025 | $12.7M | $11.3M | $7.5M | $1.4M | $49K | 1.53% | 4.59% | 0.13% | 1,401 |
| Q4 2024 | $12.3M | $11.0M | $7.8M | $1.4M | $130K | 1.06% | 4.76% | 0.31% | 1,412 |
| Q3 2024 | $11.1M | $9.7M | $8.1M | $1.3M | $106K | 1.27% | 5.25% | 0.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,427 |
| Q2 2024 | $12.1M | $10.8M | $8.4M | $1.3M | $63K | 1.03% | 4.64% | 0.27% | 1,431 |
Loan mix (Q2 2026): real estate $2.8M · commercial $0 · consumer $3.6M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 80.6% | 50th |
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: Monroe, NY, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, NY | 2 | $11.4M* | 0.04% | 36th |
New York: 388th with 0.00% · Rochester metro: 44th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2