| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -2.9% | +0.9% | -3.9 pts |
| Loan growth (YoY) | -13.9% | -2.6% | -11.3 pts |
| ROA | 1.48% | 0.65% | +0.8 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.6M | $2.9M | $1.4M | $1.7M | $34K | 1.48% | 4.97% | 0.43% | 612 |
| Q1 2026 | $4.9M | $3.1M | $1.4M | $1.7M | $16K | 1.31% | 4.74% | 0.61% | 620 |
| Q4 2025 | $4.7M | $3.0M | $1.5M | $1.7M | $81K | 1.72% | 5.12% | 0.64% | 632 |
| Q3 2025 | $4.7M | $3.0M | $1.6M | $1.7M | $62K | 1.76% | 5.05% | 1.93% | 644 |
| Q2 2025 | $4.7M | $3.0M | $1.6M | $1.7M | $44K | 1.89% | 5.23% | 2.34% | 656 |
| Q1 2025 | $4.7M | $3.1M | $1.6M | $1.6M | $26K | 2.18% | 5.42% | 2.94% | 666 |
| Q4 2024 | $4.6M | $3.0M | $1.8M | $1.6M | $65K | 1.43% | 5.52% | 1.12% | 671 |
| Q3 2024 | $4.6M | $3.0M | $1.9M | $1.6M | $56K | 1.62% | 5.46% | 3.23% | 669 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.65% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.7M | $3.2M | $2.0M | $1.6M | $26K | 1.10% | 4.74% | 3.33% | 678 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 80.6% | 27th |
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: Middlesex, MA, ranked 81st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 1 | $2.9M* | 0.00% | 81st |
Massachusetts: 236th with 0.00% · Boston-Cambridge-Newton metro: 183rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1