| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.9% | -1.8 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | -0.8% | +2.9% | -3.7 pts |
| ROA | 0.62% | 0.69% | -0.1 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107.5M | $94.1M | $42.0M | $12.6M | $167K | 0.62% | 3.07% | 0.18% | 6,096 |
| Q4 2025 | $104.8M | $91.9M | $43.3M | $12.4M | $841K | 0.80% | 3.05% | 0.31% | 6,168 |
| Q3 2025 | $106.0M | $93.2M | $44.2M | $12.2M | $681K | 0.86% | 2.97% | 0.22% | 6,181 |
| Q2 2025 | $107.4M | $94.6M | $42.4M | $12.0M | $455K | 0.85% | 2.87% | 0.22% | 6,151 |
| Q1 2025 | $105.2M | $93.0M | $42.3M | $11.7M | $177K | 0.67% | 2.84% | 0.20% | 6,130 |
| Q4 2024 | $101.5M | $89.9M | $42.0M | $11.6M | $762K | 0.75% | 2.69% | 0.07% | 6,161 |
| Q3 2024 | $99.2M | $87.8M | $41.8M | $11.4M | $599K | 0.81% | 2.71% | 0.15% | 6,168 |
| Q2 2024 | $102.6M | $91.2M | $41.0M | $11.2M | $407K | 0.79% | 2.54% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,118 |
Loan mix (Q1 2026): real estate $26.0M · commercial $2.0M · consumer $13.6M · securities $50.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 78.7% | 55th |
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.
5 branches in 1 county across 1 state (+0 vs 2024). Biggest market: South Central Connecticut, CT, ranked 21st with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| South Central Connecticut, CT | 5 | $94.6M* | 0.45% | 21st |
Connecticut: 68th with 0.06% · New Haven metro: 21st, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5