| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.2 pts |
| Loan growth (YoY) | -0.2% | -2.4% | +2.2 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.9M | $28.0M | $19.9M | $3.7M | $54K | 0.67% | 3.56% | 0.03% | 2,938 |
| Q4 2025 | $31.2M | $27.3M | $20.5M | $3.6M | $318K | 1.02% | 3.62% | 0.02% | 2,927 |
| Q3 2025 | $30.5M | $26.6M | $20.5M | $3.5M | $224K | 0.98% | 3.63% | 0.04% | 2,967 |
| Q2 2025 | $29.7M | $26.0M | $19.9M | $3.4M | $134K | 0.90% | 3.61% | 0.00% | 2,948 |
| Q1 2025 | $30.1M | $26.4M | $19.9M | $3.4M | $56K | 0.74% | 3.49% | 1.20% | 2,941 |
| Q4 2024 | $28.9M | $25.0M | $21.0M | $3.3M | $226K | 0.78% | 3.90% | 1.19% | 2,926 |
| Q3 2024 | $27.6M | $23.7M | $20.9M | $3.3M | $193K | 0.93% | 4.13% | 1.30% | 2,964 |
| Q2 2024 | $28.2M | $24.3M | $21.0M | $3.2M | $105K | 0.74% | 4.04% | 0.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,965 |
Loan mix (Q1 2026): real estate $13.5M · commercial $0 · consumer $6.2M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 81.5% | 57th |
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 2024). Biggest market: Middlesex, MA, ranked 64th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 1 | $26.0M* | 0.03% | 64th |
Massachusetts: 197th with 0.00% · Boston-Cambridge-Newton metro: 145th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1