| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.6 pts |
| Share growth (YoY) | +11.2% | +0.9% | +10.2 pts |
| Loan growth (YoY) | -7.5% | -2.6% | -4.9 pts |
| ROA | 0.59% | 0.65% | -0.1 pts |
| ROE | 3.8% | 4.4% | -0.6 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.5M | $11.4M | $8.2M | $2.1M | $40K | 0.59% | 2.76% | 0.61% | 1,237 |
| Q1 2026 | $12.9M | $10.8M | $8.3M | $2.1M | $22K | 0.69% | 2.96% | 0.45% | 1,230 |
| Q4 2025 | $12.5M | $10.5M | $8.6M | $2.1M | $77K | 0.62% | 2.98% | 0.89% | 1,224 |
| Q3 2025 | $12.2M | $10.1M | $9.0M | $2.0M | $57K | 0.62% | 3.05% | 1.10% | 1,239 |
| Q2 2025 | $12.3M | $10.3M | $8.8M | $2.0M | $36K | 0.59% | 2.96% | 0.24% | 1,430 |
| Q1 2025 | $12.1M | $10.1M | $8.5M | $2.0M | $21K | 0.69% | 2.94% | 0.21% | 1,228 |
| Q4 2024 | $11.9M | $9.9M | $8.4M | $2.0M | $76K | 0.64% | 2.96% | 0.41% | 1,214 |
| Q3 2024 | $12.0M | $10.1M | $8.3M | $2.0M | $61K | 0.68% | 2.89% | 0.17% | 1,213 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.9M | $10.0M | $8.1M | $1.9M | $44K | 0.74% | 2.86% | 0.20% | 1,206 |
Loan mix (Q2 2026): real estate $41K · commercial $0 · consumer $6.7M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 80.6% | 43rd |
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: Essex, MA, ranked 54th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 1 | $11.4M* | 0.03% | 54th |
Massachusetts: 218th with 0.00% · Boston-Cambridge-Newton metro: 163rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1