| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.6 pts |
| Loan growth (YoY) | -16.3% | -2.6% | -13.6 pts |
| ROA | 1.94% | 0.65% | +1.3 pts |
| ROE | 13.4% | 4.4% | +9.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.3M | $61.8M | $7.4M | $10.6M | $709K | 1.94% | 3.34% | 0.41% | 2,656 |
| Q1 2026 | $72.0M | $60.9M | $7.7M | $10.9M | $353K | 1.96% | 3.37% | 0.57% | 2,700 |
| Q4 2025 | $70.4M | $59.8M | $8.3M | $10.6M | $1.5M | 2.06% | 3.42% | 0.48% | 2,722 |
| Q3 2025 | $69.4M | $59.1M | $8.7M | $10.2M | $1.1M | 2.11% | 3.46% | 0.39% | 2,763 |
| Q2 2025 | $69.6M | $59.7M | $8.9M | $9.8M | $707K | 2.03% | 3.37% | 0.21% | 2,791 |
| Q1 2025 | $68.5M | $58.9M | $9.4M | $9.5M | $332K | 1.94% | 3.30% | 0.20% | 3,010 |
| Q4 2024 | $66.4M | $57.1M | $9.8M | $9.1M | $1.2M | 1.87% | 3.40% | 0.09% | 3,192 |
| Q3 2024 | $65.7M | $56.7M | $10.1M | $8.8M | $929K | 1.89% | 3.44% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,200 |
| Q2 2024 | $67.5M | $58.8M | $10.1M | $8.5M | $637K | 1.89% | 3.32% | 0.13% | 3,222 |
Loan mix (Q2 2026): real estate $2.9M · commercial $0 · consumer $4.2M · securities $50.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 80.6% | 2nd |
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: Montgomery, NY, ranked 8th with 4.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, NY | 1 | $61.8M* | 4.12% | 8th |
New York: 271st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1