| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.7% | +1.3% | -13.0 pts |
| Share growth (YoY) | -13.7% | +0.9% | -14.6 pts |
| Loan growth (YoY) | -39.6% | -2.6% | -37.0 pts |
| ROA | -1.15% | 0.65% | -1.8 pts |
| ROE | -5.2% | 4.4% | -9.5 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 | $605K | $469K | $216K | $134K | $-3K | -1.15% | 3.95% | 0.00% | 105 |
| Q1 2026 | $603K | $465K | $259K | $136K | $-2K | -1.24% | 4.21% | 0.00% | 105 |
| Q4 2025 | $698K | $557K | $316K | $138K | $-5K | -0.66% | 4.08% | 0.00% | 109 |
| Q3 2025 | $686K | $544K | $315K | $139K | $-4K | -0.68% | 4.12% | 0.00% | 109 |
| Q2 2025 | $685K | $543K | $357K | $140K | $-3K | -0.80% | 4.15% | 0.00% | 110 |
| Q1 2025 | $680K | $537K | $306K | $140K | $-2K | -1.28% | 4.09% | 0.00% | 112 |
| Q4 2024 | $674K | $529K | $328K | $143K | $-15K | -2.22% | 4.83% | 0.00% | 114 |
| Q3 2024 | $740K | $593K | $338K | $144K | $-13K | -2.43% | 4.63% | 0.00% | 114 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.15% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -5.2% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $828K | $683K | $385K | $144K | $-14K | -3.30% | 4.23% | 0.44% | 114 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $191K · securities $251K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 129.0% | 80.6% | 97th |
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: Capitol, CT, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Capitol, CT | 1 | $234K* | 0.00% | 55th |
| Erie, NY | 1 | $234K* | 0.00% | 91st |
New York: 474th with 0.00% · Connecticut: 125th with 0.00% · Hartford-West Hartford-East Hartford metro: 57th, 0.00% · Buffalo-Cheektowaga metro: 99th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2