| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.8% | +1.3% | -11.1 pts |
| Share growth (YoY) | -12.2% | +0.9% | -13.2 pts |
| Loan growth (YoY) | -34.4% | -2.6% | -31.8 pts |
| ROA | -0.34% | 0.65% | -1.0 pts |
| ROE | -1.5% | 4.4% | -5.9 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.5M | $1.2M | $358K | $328K | $-3K | -0.34% | 5.02% | 0.00% | 261 |
| Q1 2026 | $1.5M | $1.2M | $411K | $330K | $-489 | -0.13% | 5.07% | 0.00% | 267 |
| Q4 2025 | $1.6M | $1.2M | $459K | $330K | $13K | 0.81% | 5.76% | 0.93% | 272 |
| Q3 2025 | $1.6M | $1.3M | $533K | $330K | $12K | 1.00% | 5.65% | 0.00% | 282 |
| Q2 2025 | $1.7M | $1.3M | $545K | $325K | $7K | 0.86% | 5.57% | 0.00% | 285 |
| Q1 2025 | $1.7M | $1.4M | $561K | $322K | $5K | 1.09% | 5.33% | 0.00% | 288 |
| Q4 2024 | $1.7M | $1.4M | $575K | $317K | $36K | 2.06% | 6.25% | 1.07% | 287 |
| Q3 2024 | $1.8M | $1.5M | $597K | $312K | $31K | 2.27% | 6.23% | 0.00% | 293 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.34% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.8M | $1.5M | $637K | $301K | $20K | 2.15% | 6.13% | 0.56% | 301 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $358K · securities $5K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.7% | 80.6% | 91st |
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: Suffolk, MA, ranked 57th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, MA | 1 | $1.2M* | 0.00% | 57th |
Massachusetts: 243rd with 0.00% · Boston-Cambridge-Newton metro: 189th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1