| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -1.0% | +0.9% | -1.9 pts |
| Loan growth (YoY) | -7.2% | -2.6% | -4.5 pts |
| ROA | 1.16% | 0.65% | +0.5 pts |
| ROE | 6.6% | 4.4% | +2.2 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 | $19.8M | $16.2M | $12.0M | $3.5M | $114K | 1.16% | 4.37% | 0.10% | 3,219 |
| Q1 2026 | $20.4M | $16.9M | $11.9M | $3.4M | $35K | 0.69% | 4.07% | 0.00% | 3,244 |
| Q4 2025 | $20.1M | $16.6M | $12.1M | $3.4M | $371K | 1.85% | 4.36% | 0.13% | 3,263 |
| Q3 2025 | $20.2M | $16.8M | $12.5M | $3.3M | $280K | 1.85% | 4.39% | 0.13% | 3,294 |
| Q2 2025 | $19.6M | $16.3M | $12.9M | $3.2M | $173K | 1.76% | 4.44% | 0.00% | 3,356 |
| Q1 2025 | $19.6M | $16.4M | $13.1M | $3.1M | $86K | 1.75% | 4.36% | 0.00% | 3,356 |
| Q4 2024 | $18.6M | $15.5M | $13.2M | $3.0M | $341K | 1.84% | 4.53% | 0.00% | 3,386 |
| Q3 2024 | $19.6M | $16.6M | $13.6M | $2.9M | $246K | 1.67% | 4.27% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,396 |
| Q2 2024 | $19.5M | $16.6M | $13.2M | $2.8M | $154K | 1.58% | 4.12% | 0.00% | 3,404 |
Loan mix (Q2 2026): real estate $2.7M · commercial $0 · consumer $8.9M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 80.6% | 45th |
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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Erie, NY, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 3 | $16.2M* | 0.02% | 53rd |
New York: 371st with 0.00% · Buffalo-Cheektowaga metro: 62nd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3