| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | +2.7% | -2.4% | +5.0 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.8M | $15.9M | $13.8M | $3.8M | $43K | 0.87% | 3.46% | 0.79% | 1,605 |
| Q4 2025 | $20.1M | $16.3M | $13.9M | $3.8M | $304K | 1.51% | 3.49% | 0.51% | 1,592 |
| Q3 2025 | $19.3M | $15.6M | $13.9M | $3.7M | $252K | 1.74% | 3.61% | 1.06% | 1,594 |
| Q2 2025 | $19.2M | $15.5M | $13.8M | $3.6M | $164K | 1.71% | 3.54% | 0.95% | 1,570 |
| Q1 2025 | $19.3M | $15.8M | $13.4M | $3.6M | $79K | 1.64% | 3.33% | 0.06% | 1,565 |
| Q4 2024 | $18.5M | $15.0M | $13.3M | $3.5M | $423K | 2.28% | 4.28% | 0.06% | 1,550 |
| Q3 2024 | $18.5M | $15.1M | $12.9M | $3.4M | $338K | 2.43% | 4.35% | 0.30% | 1,549 |
| Q2 2024 | $18.4M | $15.1M | $12.5M | $3.3M | $216K | 2.34% | 4.43% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,542 |
Loan mix (Q1 2026): real estate $6.4M · commercial $0 · consumer $7.3M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 81.5% | 6th |
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 2024). Biggest market: Essex, MA, ranked 52nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 1 | $15.5M* | 0.05% | 52nd |
Massachusetts: 215th with 0.00% · Boston-Cambridge-Newton metro: 159th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1