| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.3% | — |
| Share growth (YoY) | — | +5.1% | — |
| Loan growth (YoY) | — | +5.7% | — |
| ROA | 0.14% | 0.80% | -0.7 pts |
| ROE | 1.3% | 7.4% | -6.1 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.05B | $7.21B | $5.05B | $849.9M | $5.5M | 0.14% | 3.13% | 0.60% | 391,041 |
| Q1 2026 | $8.11B | $7.18B | $4.86B | $848.3M | $3.8M | 0.19% | 3.07% | 0.59% | 393,661 |
Loan mix (Q2 2026): real estate $2.31B · commercial $675.3M · consumer $1.53B · securities $2.24B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.80% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 7.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.38% | 34th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% |
Peer lists, growth filters, CSV export, CRM push.
| 71.9% |
94th |
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.
42 branches in 10 counties across 1 state. Biggest market: Dutchess, NY, ranked 1st with 17.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dutchess, NY | 12 | $2.06B* | 17.67% | 1st |
| Sullivan, NY | 6 | $1.03B* | 41.06% | 1st |
| Orange, NY | 5 | $858.7M* | 6.17% | 5th |
| 7 more counties with Pro → | ||||
New York: 39th with 0.25% · Kiryas Joel-Poughkeepsie-Newburgh metro: 2nd, 11.41% · Albany-Schenectady-Troy metro: 8th, 3.69% · * Deposits estimated (total shares spread across branches).