| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.1 pts |
| Share growth (YoY) | +9.9% | +0.9% | +9.0 pts |
| Loan growth (YoY) | +3.7% | -2.6% | +6.3 pts |
| ROA | 1.20% | 0.65% | +0.6 pts |
| ROE | 9.2% | 4.4% | +4.9 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.9M | $53.8M | $26.8M | $8.0M | $371K | 1.20% | 3.56% | 0.86% | 3,270 |
| Q1 2026 | $61.3M | $53.4M | $26.8M | $7.8M | $165K | 1.08% | 3.32% | 0.74% | 3,255 |
| Q4 2025 | $60.8M | $53.0M | $26.6M | $7.6M | $817K | 1.34% | 3.35% | 0.38% | 3,241 |
| Q3 2025 | $57.4M | $50.0M | $26.5M | $7.4M | $536K | 1.24% | 3.36% | 0.47% | 3,225 |
| Q2 2025 | $56.1M | $48.9M | $25.9M | $7.1M | $285K | 1.01% | 3.34% | 0.70% | 3,226 |
| Q1 2025 | $53.7M | $46.7M | $25.4M | $7.0M | $124K | 0.92% | 3.31% | 0.71% | 3,282 |
| Q4 2024 | $51.8M | $44.9M | $25.4M | $6.9M | $521K | 1.01% | 3.13% | 0.98% | 3,280 |
| Q3 2024 | $49.7M | $43.0M | $25.9M | $6.8M | $429K | 1.15% | 3.32% | 0.98% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,286 |
| Q2 2024 | $49.0M | $42.2M | $26.3M | $6.6M | $294K | 1.20% | 3.40% | 0.83% | 3,272 |
Loan mix (Q2 2026): real estate $5.3M · commercial $0 · consumer $20.6M · securities $28.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 80.6% | 19th |
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 (+0 vs 2025). Biggest market: Oneida, NY, ranked 15th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oneida, NY | 2 | $53.8M* | 0.76% | 15th |
New York: 281st with 0.00% · Utica-Rome metro: 15th, 0.64% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2