| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.6 pts |
| Loan growth (YoY) | +5.9% | -2.6% | +8.5 pts |
| ROA | 0.04% | 0.65% | -0.6 pts |
| ROE | 0.4% | 4.4% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.7M | $30.3M | $18.5M | $3.6M | $7K | 0.04% | 2.84% | 2.19% | 1,843 |
| Q1 2026 | $34.2M | $30.4M | $17.7M | $3.6M | $1K | 0.01% | 2.80% | 2.11% | 1,849 |
| Q4 2025 | $33.5M | $29.6M | $17.8M | $3.6M | $49K | 0.15% | 2.98% | 1.86% | 1,872 |
| Q3 2025 | $33.6M | $29.6M | $17.6M | $3.7M | $92K | 0.37% | 2.95% | 1.77% | 1,878 |
| Q2 2025 | $33.9M | $29.8M | $17.5M | $3.6M | $76K | 0.45% | 2.92% | 0.80% | 1,871 |
| Q1 2025 | $32.7M | $29.0M | $17.7M | $3.6M | $34K | 0.41% | 2.91% | 0.81% | 1,869 |
| Q4 2024 | $32.4M | $28.6M | $18.0M | $3.6M | $-127K | -0.39% | 2.57% | 0.83% | 1,872 |
| Q3 2024 | $32.1M | $27.8M | $18.1M | $3.5M | $45K | 0.19% | 2.50% | 1.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,895 |
| Q2 2024 | $32.7M | $29.0M | $17.8M | $3.5M | $28K | 0.17% | 2.41% | 0.95% | 1,894 |
Loan mix (Q2 2026): real estate $11.9M · commercial $0 · consumer $6.4M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.7% | 80.6% | 85th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Capitol, CT, ranked 45th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Capitol, CT | 1 | $30.3M* | 0.05% | 45th |
Connecticut: 94th with 0.02% · Hartford-West Hartford-East Hartford metro: 47th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1