| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +4.1% | — |
| Share growth (YoY) | — | +3.5% | — |
| Loan growth (YoY) | — | +2.9% | — |
| ROA | 1.15% | 0.74% | +0.4 pts |
| ROE | 7.5% | 6.5% | +1.0 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $364.2M | $304.9M | $284.8M | $55.7M | $2.1M | 1.15% | 3.74% | 1.17% | 34,128 |
| Q1 2026 | $364.8M | $306.4M | $278.4M | $54.4M | $852K | 0.93% | 3.64% | 0.85% | 33,715 |
Loan mix (Q2 2026): real estate $166.7M · commercial $341K · consumer $109.7M · securities $33.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.74% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.5% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.67% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% |
Peer lists, growth filters, CSV export, CRM push.
| 77.5% |
35th |
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.
5 branches in 4 counties across 1 state. Biggest market: Saratoga, NY, ranked 17th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saratoga, NY | 2 | $122.0M* | 1.35% | 17th |
| Washington, NY | 1 | $61.0M* | 5.93% | 5th |
| Warren, NY | 1 | $61.0M* | 1.80% | 10th |
| 1 more county with Pro → | ||||
New York: 162nd with 0.01% · Albany-Schenectady-Troy metro: 23rd, 0.44% · Glens Falls metro: 6th, 2.76% · * Deposits estimated (total shares spread across branches).