| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +1.3% | +13.4 pts |
| Share growth (YoY) | +15.6% | +0.9% | +14.7 pts |
| Loan growth (YoY) | -15.3% | -2.6% | -12.7 pts |
| ROA | 0.49% | 0.65% | -0.2 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.8M | $8.1M | $4.6M | $689K | $22K | 0.49% | 3.64% | 0.00% | 1,312 |
| Q1 2026 | $8.7M | $8.0M | $4.8M | $681K | $11K | 0.50% | 3.60% | 0.00% | 1,278 |
| Q4 2025 | $8.4M | $7.8M | $5.1M | $670K | $42K | 0.50% | 3.86% | 0.00% | 1,271 |
| Q3 2025 | $8.5M | $7.8M | $5.3M | $663K | $34K | 0.54% | 3.84% | 0.06% | 1,300 |
| Q2 2025 | $7.6M | $7.0M | $5.4M | $649K | $20K | 0.53% | 4.25% | 0.06% | 1,276 |
| Q1 2025 | $7.6M | $6.9M | $5.5M | $644K | $15K | 0.80% | 4.24% | 0.00% | 1,282 |
| Q4 2024 | $7.4M | $6.8M | $5.6M | $628K | $89K | 1.20% | 4.34% | 0.00% | 1,284 |
| Q3 2024 | $7.6M | $7.0M | $5.5M | $601K | $62K | 1.08% | 4.19% | 0.00% | 1,270 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.6M | $7.0M | $5.3M | $577K | $38K | 1.00% | 4.09% | 0.00% | 1,254 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $39K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 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 73rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 1 | $8.1M* | 0.01% | 73rd |
Massachusetts: 223rd with 0.00% · Boston-Cambridge-Newton metro: 166th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1