| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +6.5% | +0.9% | +5.5 pts |
| Loan growth (YoY) | -5.6% | -2.6% | -2.9 pts |
| ROA | 2.30% | 0.65% | +1.7 pts |
| ROE | 7.5% | 4.4% | +3.1 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.5M | $15.6M | $13.5M | $6.9M | $258K | 2.30% | 5.44% | 3.71% | 3,197 |
| Q1 2026 | $21.7M | $15.0M | $13.5M | $6.8M | $104K | 1.91% | 5.64% | 3.58% | 3,166 |
| Q4 2025 | $21.8M | $15.2M | $13.9M | $6.6M | $484K | 2.22% | 5.67% | 3.77% | 3,168 |
| Q3 2025 | $21.0M | $14.5M | $14.2M | $6.6M | $402K | 2.55% | 5.90% | 3.82% | 3,230 |
| Q2 2025 | $21.0M | $14.6M | $14.3M | $6.4M | $244K | 2.32% | 5.90% | 3.57% | 3,192 |
| Q1 2025 | $20.6M | $14.4M | $14.1M | $6.2M | $78K | 1.51% | 5.95% | 2.83% | 3,171 |
| Q4 2024 | $20.6M | $14.4M | $14.1M | $6.2M | $244K | 1.19% | 5.77% | 2.98% | 3,143 |
| Q3 2024 | $20.2M | $14.1M | $13.9M | $6.1M | $184K | 1.22% | 5.80% | 3.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.30% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,102 |
| Q2 2024 | $20.5M | $14.6M | $13.9M | $6.0M | $44K | 0.42% | 5.55% | 3.34% | 3,079 |
Loan mix (Q2 2026): real estate $2.2M · commercial $1.7M · consumer $9.5M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 80.6% | 14th |
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 1 state (+0 vs 2025). Biggest market: Queens, NY, ranked 68th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Queens, NY | 1 | $7.8M* | 0.01% | 68th |
| Nassau, NY | 1 | $7.8M* | 0.01% | 51st |
New York: 376th with 0.00% · New York-Newark-Jersey City metro: 239th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2