| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -2.1% | +0.9% | -3.0 pts |
| Loan growth (YoY) | -13.2% | -2.6% | -10.6 pts |
| ROA | 1.08% | 0.65% | +0.4 pts |
| ROE | 7.7% | 4.4% | +3.3 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.5M | $14.1M | $2.5M | $2.3M | $90K | 1.08% | 4.07% | 0.32% | 2,025 |
| Q1 2026 | $16.0M | $13.6M | $2.6M | $2.3M | $53K | 1.33% | 4.21% | 0.00% | 2,026 |
| Q4 2025 | $16.1M | $13.7M | $2.7M | $2.2M | $277K | 1.73% | 4.52% | 0.00% | 2,028 |
| Q3 2025 | $15.7M | $13.5M | $2.8M | $2.2M | $225K | 1.91% | 4.70% | 0.66% | 2,026 |
| Q2 2025 | $16.6M | $14.4M | $2.9M | $2.1M | $143K | 1.73% | 4.45% | 0.52% | 2,024 |
| Q1 2025 | $16.6M | $14.5M | $2.9M | $2.0M | $74K | 1.77% | 4.40% | 0.01% | 2,018 |
| Q4 2024 | $16.0M | $14.0M | $2.9M | $2.0M | $239K | 1.50% | 4.85% | 0.00% | 2,021 |
| Q3 2024 | $16.6M | $14.6M | $2.8M | $1.9M | $196K | 1.57% | 4.73% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,021 |
| Q2 2024 | $16.4M | $14.5M | $2.8M | $1.8M | $103K | 1.26% | 4.76% | 0.00% | 2,000 |
Loan mix (Q2 2026): real estate $649K · commercial $0 · consumer $1.9M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 80.6% | 39th |
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: Suffolk, NY, ranked 33rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, NY | 1 | $14.1M* | 0.02% | 33rd |
New York: 378th with 0.00% · New York-Newark-Jersey City metro: 243rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1