| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -5.0% | +0.9% | -5.9 pts |
| Loan growth (YoY) | -23.4% | -2.6% | -20.8 pts |
| ROA | 0.31% | 0.65% | -0.3 pts |
| ROE | 1.3% | 4.4% | -3.1 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.8M | $2.1M | $683K | $673K | $4K | 0.31% | 4.50% | 0.00% | 353 |
| Q1 2026 | $2.8M | $2.1M | $746K | $674K | $6K | 0.79% | 4.88% | 0.00% | 358 |
| Q4 2025 | $2.7M | $2.0M | $834K | $668K | $4K | 0.16% | 5.06% | 0.00% | 357 |
| Q3 2025 | $2.6M | $2.0M | $916K | $668K | $4K | 0.20% | 5.40% | 0.00% | 359 |
| Q2 2025 | $2.9M | $2.2M | $891K | $663K | $-571 | -0.04% | 4.87% | 0.00% | 370 |
| Q1 2025 | $3.0M | $2.3M | $958K | $674K | $10K | 1.38% | 5.13% | 1.10% | 372 |
| Q4 2024 | $2.9M | $2.3M | $1.0M | $663K | $30K | 1.02% | 5.14% | 2.43% | 373 |
| Q3 2024 | $2.9M | $2.2M | $1.0M | $659K | $27K | 1.27% | 5.49% | 3.02% | 372 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.1M |
| $2.4M |
| $936K |
| $645K |
| $13K |
| 0.82% |
| 5.03% |
| 2.65% |
| 374 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $683K · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 80.6% | 77th |
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: Nassau, NY, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nassau, NY | 1 | $2.1M* | 0.00% | 52nd |
New York: 443rd with 0.00% · New York-Newark-Jersey City metro: 306th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1