| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -4.9% | +0.9% | -5.8 pts |
| Loan growth (YoY) | -22.1% | -2.6% | -19.5 pts |
| ROA | 0.21% | 0.65% | -0.4 pts |
| ROE | 1.2% | 4.4% | -3.2 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 | $1.2M | $1.0M | $506K | $213K | $1K | 0.21% | 4.54% | 0.00% | 296 |
| Q1 2026 | $1.3M | $1.1M | $590K | $212K | $598 | 0.18% | 4.37% | 0.00% | 296 |
| Q4 2025 | $1.3M | $1.1M | $652K | $212K | $5K | 0.39% | 4.69% | 0.00% | 297 |
| Q3 2025 | $1.3M | $1.0M | $658K | $212K | $4K | 0.48% | 4.70% | 0.00% | 300 |
| Q2 2025 | $1.3M | $1.1M | $650K | $209K | $2K | 0.35% | 4.42% | 0.00% | 305 |
| Q1 2025 | $1.3M | $1.1M | $648K | $208K | $910 | 0.28% | 4.48% | 0.00% | 312 |
| Q4 2024 | $1.3M | $1.1M | $705K | $207K | $28K | 2.14% | 5.01% | 0.00% | 313 |
| Q3 2024 | $1.3M | $1.1M | $698K | $204K | $12K | 1.28% | 5.17% | 0.00% | 318 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.4M |
| $1.2M |
| $624K |
| $200K |
| $8K |
| 1.14% |
| 4.72% |
| 0.00% |
| 320 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $506K · securities $652K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.4% | 80.6% | 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Essex, MA, ranked 58th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 2 | $1.0M* | 0.00% | 58th |
Massachusetts: 244th with 0.00% · Boston-Cambridge-Newton metro: 190th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2