| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +1.6% | +0.9% | +0.6 pts |
| Loan growth (YoY) | -1.4% | -2.6% | +1.3 pts |
| ROA | 0.43% | 0.65% | -0.2 pts |
| ROE | 2.6% | 4.4% | -1.7 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.6M | $22.1M | $23.2M | $4.8M | $64K | 0.43% | 3.00% | 0.01% | 1,398 |
| Q1 2026 | $29.2M | $21.6M | $23.1M | $4.8M | $26K | 0.36% | 2.96% | 0.01% | 1,389 |
| Q4 2025 | $29.7M | $22.1M | $22.8M | $4.8M | $117K | 0.39% | 2.86% | 0.08% | 1,401 |
| Q3 2025 | $30.1M | $22.6M | $23.5M | $4.7M | $81K | 0.36% | 2.78% | 0.11% | 1,403 |
| Q2 2025 | $29.5M | $21.7M | $23.5M | $4.7M | $52K | 0.35% | 2.81% | 0.06% | 1,471 |
| Q1 2025 | $28.2M | $22.5M | $23.5M | $4.7M | $19K | 0.27% | 2.88% | 0.00% | 1,469 |
| Q4 2024 | $28.4M | $22.4M | $23.6M | $4.7M | $102K | 0.36% | 2.86% | 0.00% | 1,484 |
| Q3 2024 | $28.4M | $22.2M | $23.9M | $4.6M | $77K | 0.36% | 2.86% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,478 |
| Q2 2024 | $27.8M | $21.6M | $24.2M | $4.6M | $55K | 0.39% | 2.94% | 0.83% | 1,470 |
Loan mix (Q2 2026): real estate $17.2M · commercial $0 · consumer $5.1M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 80.6% | 59th |
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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Essex, MA, ranked 48th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 3 | $22.1M* | 0.06% | 48th |
Massachusetts: 203rd with 0.00% · Boston-Cambridge-Newton metro: 152nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3