| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.8% | +1.3% | -14.1 pts |
| Share growth (YoY) | -12.1% | +0.9% | -13.0 pts |
| Loan growth (YoY) | -38.0% | -2.6% | -35.4 pts |
| ROA | -3.69% | 0.65% | -4.3 pts |
| ROE | -17.6% | 4.4% | -22.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $343K | $271K | $27K | $72K | $-6K | -3.69% | 4.63% | 27.72% | 50 |
| Q1 2026 | $350K | $275K | $30K | $75K | $-3K | -3.82% | 3.06% | 25.08% | 51 |
| Q4 2025 | $349K | $271K | $34K | $78K | $-10K | -2.92% | 4.92% | 23.73% | 51 |
| Q3 2025 | $381K | $302K | $39K | $80K | $-9K | -3.03% | 3.87% | 7.00% | 52 |
| Q2 2025 | $393K | $308K | $44K | $85K | $-3K | -1.77% | 5.04% | 0.00% | 52 |
| Q1 2025 | $393K | $307K | $45K | $86K | $-2K | -2.09% | 3.71% | 0.31% | 54 |
| Q4 2024 | $393K | $305K | $45K | $87K | $2K | 0.40% | 6.43% | 0.00% | 54 |
| Q3 2024 | $387K | $299K | $44K | $88K | $432 | 0.15% | 5.90% | 0.00% | 59 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.69% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -17.6% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $420K |
| $332K |
| $38K |
| $88K |
| $-251 |
| -0.12% |
| 5.90% |
| 0.00% |
| 68 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $27K · securities $251K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 179.7% | 80.6% | 98th |
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 (+1 vs 2025). Biggest market: South Central Connecticut, CT, ranked 43rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| South Central Connecticut, CT | 2 | $271K* | 0.00% | 43rd |
Connecticut: 124th with 0.00% · New Haven metro: 43rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2