| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +7.7% | +0.9% | +6.8 pts |
| Loan growth (YoY) | -3.6% | -2.6% | -1.0 pts |
| ROA | 0.50% | 0.65% | -0.1 pts |
| ROE | 5.2% | 4.4% | +0.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.7M | $25.0M | $16.0M | $2.7M | $69K | 0.50% | 2.81% | 0.02% | 1,192 |
| Q1 2026 | $27.3M | $24.6M | $15.7M | $2.6M | $33K | 0.48% | 2.80% | 0.02% | 1,197 |
| Q4 2025 | $26.9M | $24.2M | $16.0M | $2.6M | $95K | 0.35% | 2.66% | 0.00% | 1,193 |
| Q3 2025 | $25.9M | $23.3M | $16.3M | $2.6M | $81K | 0.42% | 2.74% | 0.00% | 1,201 |
| Q2 2025 | $25.8M | $23.2M | $16.7M | $2.5M | $53K | 0.41% | 2.71% | 0.00% | 1,220 |
| Q1 2025 | $26.5M | $23.9M | $16.8M | $2.5M | $19K | 0.28% | 2.53% | 0.99% | 1,225 |
| Q4 2024 | $26.2M | $23.7M | $17.0M | $2.5M | $36K | 0.14% | 2.30% | 0.03% | 1,238 |
| Q3 2024 | $24.6M | $22.1M | $17.3M | $2.5M | $23K | 0.13% | 2.40% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,255 |
| Q2 2024 | $24.8M | $22.4M | $16.8M | $2.5M | $6K | 0.05% | 2.32% | 0.00% | 1,264 |
Loan mix (Q2 2026): real estate $10.8M · commercial $0 · consumer $4.5M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 80.6% | 59th |
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 2 states (+0 vs 2025). Biggest market: Essex, MA, ranked 51st with 0.1% of deposits.
Massachusetts: 212th with 0.00% · New York: 402nd with 0.00% · Boston-Cambridge-Newton metro: 159th, 0.00% · Buffalo-Cheektowaga metro: 75th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3