| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -5.8% | +0.9% | -6.7 pts |
| Loan growth (YoY) | -22.1% | -2.6% | -19.4 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 1.5% | 4.4% | -2.9 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.6M | $2.1M | $280K | $493K | $4K | 0.29% | 3.27% | 8.08% | 232 |
| Q1 2026 | $2.6M | $2.1M | $298K | $491K | $2K | 0.36% | 3.14% | 7.79% | 234 |
| Q4 2025 | $2.7M | $2.2M | $330K | $489K | $2K | 0.06% | 2.83% | 1.93% | 245 |
| Q3 2025 | $2.7M | $2.2M | $324K | $478K | $-9K | -0.44% | 2.60% | 0.00% | 245 |
| Q2 2025 | $2.7M | $2.2M | $359K | $481K | $-6K | -0.45% | 2.44% | 0.00% | 247 |
| Q1 2025 | $2.7M | $2.2M | $397K | $492K | $5K | 0.69% | 2.90% | 0.00% | 250 |
| Q4 2024 | $2.7M | $2.2M | $390K | $487K | $-4K | -0.16% | 2.78% | 0.00% | 254 |
| Q3 2024 | $2.7M | $2.2M | $422K | $482K | $-9K | -0.46% | 2.67% | 1.29% | 254 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.7M | $2.2M | $436K | $480K | $-9K | -0.66% | 2.03% | 0.77% | 258 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $280K · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.7% | 80.6% | 75th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Kings, NY, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kings, NY | 1 | $1.0M* | 0.00% | 52nd |
| Fairfax (City), VA | 1 | $1.0M* | 0.02% | 38th |
New York: 454th with 0.00% · Virginia: 239th with 0.00% · Washington-Arlington-Alexandria metro: 170th, 0.00% · New York-Newark-Jersey City metro: 316th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2