| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.1% | +2.0 pts |
| Share growth (YoY) | +4.6% | +3.5% | +1.1 pts |
| Loan growth (YoY) | -1.6% | +2.9% | -4.4 pts |
| ROA | 0.89% | 0.74% | +0.2 pts |
| ROE | 9.1% | 6.5% | +2.6 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.9M | $155.5M | $52.8M | $16.3M | $740K | 0.89% | 3.17% | 0.57% | 10,464 |
| Q1 2026 | $162.1M | $152.3M | $54.0M | $15.9M | $329K | 0.81% | 3.20% | 0.57% | 11,069 |
| Q4 2025 | $159.3M | $149.4M | $53.7M | $15.6M | $1.1M | 0.71% | 3.07% | 0.44% | 10,474 |
| Q3 2025 | $156.9M | $147.3M | $54.2M | $15.5M | $897K | 0.76% | 3.07% | 1.96% | 10,462 |
| Q2 2025 | $156.4M | $148.7M | $53.6M | $15.2M | $675K | 0.86% | 3.05% | 1.02% | 9,175 |
| Q1 2025 | $153.1M | $145.4M | $53.7M | $15.0M | $408K | 1.07% | 3.12% | 1.06% | 10,521 |
| Q4 2024 | $148.0M | $142.0M | $55.8M | $14.6M | $1.3M | 0.91% | 3.01% | 1.48% | 10,563 |
| Q3 2024 | $145.7M | $137.8M | $56.9M | $14.4M | $1.1M | 0.98% | 3.01% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.74% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 6.5% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.21% |
| 10,625 |
| Q2 2024 | $142.9M | $137.4M | $57.4M | $14.0M | $667K | 0.93% | 3.04% | 1.02% | 10,614 |
Loan mix (Q2 2026): real estate $13.9M · commercial $1.2M · consumer $33.0M · securities $85.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 77.5% | 30th |
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.
6 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Chautauqua, NY, ranked 6th with 5.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chautauqua, NY | 6 | $155.5M* | 5.18% | 6th |
New York: 206th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5 · 2026 6