| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.2% | +1.3% | -12.4 pts |
| Share growth (YoY) | -14.6% | +0.9% | -15.6 pts |
| Loan growth (YoY) | -32.3% | -2.6% | -29.7 pts |
| ROA | 0.55% | 0.65% | -0.1 pts |
| ROE | 2.2% | 4.4% | -2.2 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $1.4M | $276K | $458K | $5K | 0.55% | 2.82% | 0.00% | 86 |
| Q1 2026 | $2.0M | $1.5M | $332K | $470K | $9K | 1.88% | 3.77% | 0.00% | 86 |
| Q4 2025 | $2.0M | $1.5M | $354K | $453K | $11K | 0.58% | 3.09% | 0.00% | 100 |
| Q3 2025 | $2.0M | $1.5M | $385K | $450K | $9K | 0.60% | 2.74% | 0.00% | 102 |
| Q2 2025 | $2.0M | $1.6M | $408K | $453K | $12K | 1.14% | 3.38% | 0.00% | 100 |
| Q1 2025 | $2.1M | $1.6M | $385K | $453K | $11K | 2.14% | 4.56% | 0.00% | 107 |
| Q4 2024 | $2.1M | $1.7M | $400K | $442K | $-61K | -2.88% | -0.74% | 0.00% | 92 |
| Q3 2024 | $2.2M | $1.8M | $443K | $453K | $-51K | -3.07% | -0.79% | 0.00% | 99 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.3M |
| $1.8M |
| $480K |
| $465K |
| $-39K |
| -3.42% |
| -0.98% |
| 0.00% |
| 99 |
Loan mix (Q2 2026): real estate $144K · commercial $0 · consumer $132K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 80.6% | 49th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Suffolk, NY, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, NY | 1 | $1.4M* | 0.00% | 36th |
New York: 451st with 0.00% · New York-Newark-Jersey City metro: 311th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1