| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.7 pts |
| Share growth (YoY) | +11.0% | +0.9% | +10.1 pts |
| Loan growth (YoY) | -2.5% | -2.6% | +0.1 pts |
| ROA | 0.76% | 0.65% | +0.1 pts |
| ROE | 3.7% | 4.4% | -0.7 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.2M | $6.4M | $4.0M | $1.7M | $32K | 0.76% | 3.01% | 0.44% | 811 |
| Q1 2026 | $8.2M | $6.4M | $3.6M | $1.7M | $15K | 0.75% | 3.00% | 0.00% | 810 |
| Q4 2025 | $7.6M | $5.9M | $3.9M | $1.7M | $94K | 1.23% | 3.50% | 0.08% | 810 |
| Q3 2025 | $7.3M | $5.6M | $4.1M | $1.7M | $69K | 1.25% | 3.69% | 0.15% | 808 |
| Q2 2025 | $7.5M | $5.8M | $4.1M | $1.6M | $43K | 1.14% | 3.58% | 0.18% | 828 |
| Q1 2025 | $7.3M | $5.6M | $3.8M | $1.6M | $21K | 1.15% | 3.59% | 0.20% | 838 |
| Q4 2024 | $7.0M | $5.4M | $4.0M | $1.6M | $98K | 1.40% | 3.93% | 0.24% | 846 |
| Q3 2024 | $7.2M | $5.6M | $4.4M | $1.6M | $79K | 1.47% | 3.85% | 0.41% | 883 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.65% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.9M | $5.4M | $4.2M | $1.5M | $50K | 1.43% | 3.89% | 0.06% | 880 |
Loan mix (Q2 2026): real estate $156K · commercial $0 · consumer $3.7M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 80.6% | 34th |
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: Erie, NY, ranked 74th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $6.4M* | 0.01% | 74th |
New York: 417th with 0.00% · Buffalo-Cheektowaga metro: 82nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1