| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +1.3% | +7.4 pts |
| Share growth (YoY) | +8.7% | +0.9% | +7.8 pts |
| Loan growth (YoY) | -1.1% | -2.6% | +1.6 pts |
| ROA | 0.90% | 0.65% | +0.3 pts |
| ROE | 8.1% | 4.4% | +3.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.0M | $26.4M | $14.1M | $3.4M | $136K | 0.90% | 3.10% | 0.01% | 1,703 |
| Q1 2026 | $29.3M | $25.8M | $13.9M | $3.3M | $69K | 0.94% | 3.15% | 0.28% | 1,696 |
| Q4 2025 | $28.3M | $24.8M | $14.0M | $3.2M | $325K | 1.15% | 3.41% | 0.09% | 1,742 |
| Q3 2025 | $27.6M | $24.2M | $14.0M | $3.2M | $257K | 1.24% | 3.50% | 0.04% | 1,778 |
| Q2 2025 | $27.6M | $24.3M | $14.3M | $3.1M | $164K | 1.19% | 3.47% | 0.00% | 1,786 |
| Q1 2025 | $26.7M | $23.4M | $13.8M | $3.0M | $83K | 1.25% | 3.53% | 0.01% | 1,783 |
| Q4 2024 | $26.9M | $23.8M | $13.1M | $2.9M | $288K | 1.07% | 3.24% | 0.01% | 1,782 |
| Q3 2024 | $24.8M | $21.7M | $13.1M | $2.8M | $209K | 1.12% | 3.45% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,812 |
| Q2 2024 | $25.0M | $22.0M | $12.9M | $2.7M | $138K | 1.10% | 3.41% | 0.67% | 1,818 |
Loan mix (Q2 2026): real estate $7.7M · commercial $0 · consumer $5.9M · securities $13.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 80.6% | 32nd |
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: Erie, NY, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $13.2M* | 0.02% | 56th |
| Worcester, MA | 1 | $13.2M* | 0.04% | 46th |
Massachusetts: 217th with 0.00% · New York: 384th with 0.00% · Buffalo-Cheektowaga metro: 65th, 0.02% · Worcester metro: 46th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2