| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +4.1% | +8.0 pts |
| Share growth (YoY) | +12.2% | +3.5% | +8.6 pts |
| Loan growth (YoY) | +3.2% | +2.9% | +0.4 pts |
| ROA | 1.31% | 0.74% | +0.6 pts |
| ROE | 10.9% | 6.5% | +4.4 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.7M | $94.6M | $63.9M | $13.0M | $706K | 1.31% | 3.81% | 0.68% | 6,075 |
| Q1 2026 | $107.5M | $94.9M | $62.7M | $12.6M | $289K | 1.07% | 3.76% | 0.75% | 6,054 |
| Q4 2025 | $101.3M | $88.9M | $62.8M | $12.3M | $1.5M | 1.44% | 3.98% | 0.99% | 5,965 |
| Q3 2025 | $99.0M | $86.9M | $63.8M | $12.1M | $1.2M | 1.60% | 4.03% | 1.17% | 5,912 |
| Q2 2025 | $96.0M | $84.3M | $61.9M | $11.7M | $781K | 1.63% | 4.07% | 1.05% | 5,820 |
| Q1 2025 | $93.2M | $82.0M | $56.3M | $11.2M | $310K | 1.33% | 4.06% | 1.26% | 5,673 |
| Q4 2024 | $89.4M | $78.6M | $55.1M | $10.9M | $1.4M | 1.59% | 4.13% | 1.57% | 5,598 |
| Q3 2024 | $86.1M | $75.5M | $56.4M | $10.8M | $1.2M | 1.80% | 4.25% | 1.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.74% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 6.5% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 5,587 |
| Q2 2024 | $83.7M | $73.5M | $56.3M | $10.4M | $791K | 1.89% | 4.27% | 0.95% | 5,531 |
Loan mix (Q2 2026): real estate $9.5M · commercial $0 · consumer $49.6M · securities $30.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 77.5% | 13th |
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: Otsego, NY, ranked 7th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Otsego, NY | 1 | $94.6M* | 4.77% | 7th |
New York: 241st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1