| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +3.6% | +0.9% | +2.6 pts |
| Loan growth (YoY) | -7.0% | -2.6% | -4.4 pts |
| ROA | 0.38% | 0.65% | -0.3 pts |
| ROE | 3.4% | 4.4% | -1.0 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.3M | $25.0M | $14.9M | $3.2M | $54K | 0.38% | 3.29% | 0.09% | 1,848 |
| Q1 2026 | $27.4M | $24.1M | $15.5M | $3.2M | $22K | 0.32% | 3.36% | 0.00% | 1,850 |
| Q4 2025 | $27.1M | $23.8M | $15.6M | $3.2M | $-252K | -0.93% | 3.17% | 0.12% | 1,751 |
| Q3 2025 | $26.6M | $23.2M | $16.1M | $3.3M | $-118K | -0.59% | 3.17% | 0.00% | 1,750 |
| Q2 2025 | $27.6M | $24.1M | $16.1M | $3.5M | $-18K | -0.13% | 2.92% | 1.40% | 1,739 |
| Q1 2025 | $27.0M | $23.5M | $16.2M | $3.5M | $7K | 0.11% | 2.87% | 2.09% | 1,716 |
| Q4 2024 | $27.1M | $23.6M | $16.6M | $3.5M | $33K | 0.12% | 2.70% | 2.22% | 1,798 |
| Q3 2024 | $27.7M | $24.2M | $16.7M | $3.5M | $29K | 0.14% | 2.49% | 2.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,810 |
| Q2 2024 | $27.6M | $24.0M | $16.8M | $3.5M | $31K | 0.22% | 2.57% | 3.18% | 1,806 |
Loan mix (Q2 2026): real estate $7.1M · commercial $584K · consumer $6.7M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 80.6% | 64th |
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: Middlesex, MA, ranked 65th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 1 | $25.0M* | 0.03% | 65th |
Massachusetts: 199th with 0.00% · Boston-Cambridge-Newton metro: 149th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1