| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +6.5% | +0.7% | +5.8 pts |
| Loan growth (YoY) | -11.0% | -2.4% | -8.6 pts |
| ROA | 2.01% | 0.60% | +1.4 pts |
| ROE | 18.7% | 4.1% | +14.6 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.6M | $19.2M | $6.6M | $2.3M | $108K | 2.01% | 3.88% | 2.01% | 1,542 |
| Q4 2025 | $20.8M | $18.6M | $6.9M | $2.2M | $357K | 1.71% | 3.85% | 2.03% | 1,557 |
| Q3 2025 | $20.1M | $17.9M | $7.2M | $2.2M | $297K | 1.97% | 3.97% | 2.15% | 1,563 |
| Q2 2025 | $20.1M | $18.0M | $7.1M | $2.1M | $196K | 1.95% | 3.91% | 2.32% | 1,563 |
| Q1 2025 | $20.0M | $18.1M | $7.4M | $1.9M | $88K | 1.76% | 3.80% | 1.89% | 1,578 |
| Q4 2024 | $19.6M | $17.7M | $7.4M | $1.9M | $361K | 1.84% | 3.80% | 2.37% | 1,599 |
| Q3 2024 | $19.2M | $17.4M | $7.4M | $1.8M | $270K | 1.88% | 3.84% | 2.08% | 1,605 |
| Q2 2024 | $19.6M | $17.9M | $7.5M | $1.7M | $171K | 1.74% | 3.66% | 2.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,609 |
Loan mix (Q1 2026): real estate $2.3M · commercial $0 · consumer $3.8M · securities $9.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 81.5% | 10th |
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 2024). Biggest market: Genesee, NY, ranked 8th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Genesee, NY | 1 | $18.0M* | 1.15% | 8th |
New York: 356th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1