| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +4.1% | -5.9 pts |
| Share growth (YoY) | -2.8% | +3.5% | -6.3 pts |
| Loan growth (YoY) | -6.3% | +2.9% | -9.2 pts |
| ROA | 0.47% | 0.74% | -0.3 pts |
| ROE | 2.9% | 6.5% | -3.6 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $123.0M | $102.4M | $73.5M | $19.9M | $287K | 0.47% | 3.42% | 0.22% | 9,368 |
| Q1 2026 | $122.8M | $102.4M | $76.0M | $19.8M | $107K | 0.35% | 3.37% | 0.37% | 9,326 |
| Q4 2025 | $123.4M | $103.3M | $77.7M | $19.7M | $978K | 0.79% | 3.53% | 0.67% | 9,270 |
| Q3 2025 | $124.4M | $104.3M | $78.5M | $19.5M | $818K | 0.88% | 3.51% | 0.20% | 9,228 |
| Q2 2025 | $125.3M | $105.4M | $78.5M | $19.2M | $551K | 0.88% | 3.45% | 0.18% | 9,174 |
| Q1 2025 | $126.2M | $106.6M | $79.3M | $18.9M | $231K | 0.73% | 3.37% | 0.08% | 8,797 |
| Q4 2024 | $124.1M | $104.9M | $80.0M | $18.7M | $1.2M | 0.94% | 3.72% | 0.07% | 9,095 |
| Q3 2024 | $121.4M | $102.4M | $80.8M | $18.5M | $988K | 1.08% | 3.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.74% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 6.5% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 9,056 |
| Q2 2024 | $122.2M | $103.4M | $81.7M | $18.2M | $658K | 1.08% | 3.88% | 0.06% | 9,005 |
Loan mix (Q2 2026): real estate $48.9M · commercial $17.7M · consumer $5.8M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 77.5% | 82nd |
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.
4 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Essex, MA, ranked 37th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 3 | $76.8M* | 0.22% | 37th |
| Tarrant, TX | 1 | $25.6M* | 0.03% | 91st |
Massachusetts: 173rd with 0.01% · Texas: 695th with 0.00% · Boston-Cambridge-Newton metro: 127th, 0.01% · Dallas-Fort Worth-Arlington metro: 225th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 4