| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | -7.3% | -2.6% | -4.7 pts |
| ROA | 0.94% | 0.65% | +0.3 pts |
| ROE | 9.9% | 4.4% | +5.5 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.3M | $30.0M | $9.1M | $3.2M | $156K | 0.94% | 4.55% | 0.70% | 3,512 |
| Q1 2026 | $33.5M | $30.4M | $9.5M | $3.1M | $76K | 0.91% | 4.55% | 0.44% | 3,506 |
| Q4 2025 | $32.7M | $29.6M | $10.1M | $3.0M | $244K | 0.75% | 4.17% | 0.41% | 3,500 |
| Q3 2025 | $33.2M | $30.2M | $9.4M | $2.9M | $159K | 0.64% | 4.00% | 0.36% | 3,485 |
| Q2 2025 | $32.9M | $30.0M | $9.8M | $2.8M | $83K | 0.51% | 3.90% | 0.36% | 3,456 |
| Q1 2025 | $32.9M | $30.1M | $9.7M | $2.8M | $4K | 0.05% | 3.78% | 0.30% | 3,441 |
| Q4 2024 | $31.9M | $29.1M | $8.9M | $2.8M | $170K | 0.53% | 3.59% | 0.83% | 3,406 |
| Q3 2024 | $33.0M | $30.3M | $9.1M | $2.7M | $106K | 0.43% | 3.38% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.65% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,409 |
| Q2 2024 | $32.3M | $29.6M | $9.2M | $2.7M | $65K | 0.40% | 3.38% | 0.58% | 3,354 |
Loan mix (Q2 2026): real estate $1.4M · commercial $751K · consumer $6.4M · securities $22.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 80.6% | 30th |
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 2 counties across 1 state (+1 vs 2025). Biggest market: Suffolk, NY, ranked 32nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, NY | 1 | $15.0M* | 0.02% | 32nd |
| Queens, NY | 1 | $15.0M* | 0.02% | 66th |
New York: 327th with 0.00% · New York-Newark-Jersey City metro: 218th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 2