| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +6.8% | +0.9% | +5.9 pts |
| Loan growth (YoY) | -11.9% | -2.6% | -9.3 pts |
| ROA | 1.65% | 0.65% | +1.0 pts |
| ROE | 7.5% | 4.4% | +3.1 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.1M | $887K | $234K | $253K | $9K | 1.65% | 3.69% | 1.67% | 250 |
| Q1 2026 | $1.1M | $888K | $234K | $259K | $18K | 6.18% | 8.04% | 1.17% | 229 |
| Q4 2025 | $1.1M | $865K | $262K | $240K | $32K | 2.86% | 3.63% | 1.16% | 234 |
| Q3 2025 | $1.1M | $865K | $251K | $235K | $33K | 4.00% | 5.39% | 1.28% | 226 |
| Q2 2025 | $1.1M | $830K | $266K | $222K | $22K | 4.26% | 5.49% | 0.00% | 229 |
| Q1 2025 | $1.0M | $817K | $265K | $213K | $12K | 4.63% | 7.15% | 0.00% | 230 |
| Q4 2024 | $1.0M | $808K | $283K | $207K | $42K | 4.17% | 4.55% | 0.00% | 230 |
| Q3 2024 | $1.0M | $809K | $249K | $202K | $27K | 3.59% | 4.38% | 0.00% | 238 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $993K |
| $801K |
| $277K |
| $193K |
| $17K |
| 3.44% |
| 4.30% |
| 0.00% |
| 231 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $231K · securities $834K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 80.6% | 41st |
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: Plymouth, MA, ranked 29th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Plymouth, MA | 1 | $443K* | 0.00% | 29th |
| Suffolk, MA | 1 | $443K* | 0.00% | 58th |
Massachusetts: 245th with 0.00% · Boston-Cambridge-Newton metro: 191st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2