| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +4.7% | — |
| Share growth (YoY) | — | +4.2% | — |
| Loan growth (YoY) | — | +4.3% | — |
| ROA | 0.23% | 0.75% | -0.5 pts |
| ROE | 2.3% | 6.9% | -4.6 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $808.0M | $673.7M | $667.4M | $82.9M | $942K | 0.23% | 3.56% | 1.61% | 58,517 |
| Q1 2026 | $801.8M | $664.9M | $652.4M | $82.3M | $282K | 0.14% | 3.53% | 1.17% | 57,460 |
Loan mix (Q2 2026): real estate $380.9M · commercial $54.1M · consumer $226.3M · securities $34.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.75% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 6.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.54% | 52nd | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% |
Peer lists, growth filters, CSV export, CRM push.
| 77.1% |
74th |
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 (2q) | 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 (2q) | 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 (2q) | 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 (2q) | 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 (2q) | 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.
14 branches in 4 counties across 2 states. Biggest market: Orange, NY, ranked 13th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, NY | 9 | $433.1M* | 3.11% | 13th |
| Pike, PA | 2 | $96.2M* | 8.76% | 6th |
| Ulster, NY | 2 | $96.2M* | 1.36% | 17th |
| 1 more county with Pro → | ||||
New York: 129th with 0.02% · Pennsylvania: 218th with 0.02% · Kiryas Joel-Poughkeepsie-Newburgh metro: 15th, 1.88% · Kingston metro: 17th, 1.36% · * Deposits estimated (total shares spread across branches).