| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +7.3% | +0.9% | +6.4 pts |
| Loan growth (YoY) | +8.9% | -2.6% | +11.6 pts |
| ROA | 1.35% | 0.65% | +0.7 pts |
| ROE | 9.2% | 4.4% | +4.9 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.4M | $35.9M | $35.1M | $6.2M | $286K | 1.35% | 2.14% | 0.00% | 598 |
| Q1 2026 | $40.6M | $34.3M | $33.9M | $6.0M | $145K | 1.43% | 2.27% | 0.00% | 599 |
| Q4 2025 | $39.5M | $33.2M | $32.6M | $5.9M | $431K | 1.09% | 2.09% | 0.00% | 600 |
| Q3 2025 | $39.1M | $33.0M | $32.0M | $5.8M | $309K | 1.05% | 2.06% | 0.00% | 599 |
| Q2 2025 | $39.5M | $33.4M | $32.3M | $5.7M | $190K | 0.96% | 2.02% | 0.00% | 595 |
| Q1 2025 | $38.8M | $32.8M | $30.8M | $5.6M | $85K | 0.87% | 1.91% | 0.00% | 584 |
| Q4 2024 | $38.1M | $32.2M | $29.9M | $5.5M | $271K | 0.71% | 1.61% | 0.00% | 579 |
| Q3 2024 | $39.2M | $33.4M | $30.0M | $5.4M | $180K | 0.61% | 1.46% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.65% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 577 |
| Q2 2024 | $38.3M | $32.6M | $29.9M | $5.3M | $108K | 0.56% | 1.48% | 0.00% | 570 |
Loan mix (Q2 2026): real estate $29.1M · commercial $5.7M · consumer $0 · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.8% | 80.6% | 2nd |
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 1 county across 1 state (+0 vs 2025). Biggest market: Queens, NY, ranked 58th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Queens, NY | 2 | $35.9M* | 0.04% | 58th |
New York: 316th with 0.00% · New York-Newark-Jersey City metro: 213th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2