| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.3% | +0.9% | -5.3 pts |
| Loan growth (YoY) | -1.8% | -2.6% | +0.9 pts |
| ROA | 0.35% | 0.65% | -0.3 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $62.8M | $54.7M | $29.7M | $8.0M | $111K | 0.35% | 2.73% | 0.89% | 3,031 |
| Q1 2026 | $63.8M | $55.7M | $30.5M | $8.0M | $52K | 0.32% | 2.67% | 0.79% | 3,068 |
| Q4 2025 | $65.5M | $57.5M | $30.7M | $7.9M | $203K | 0.31% | 2.49% | 2.01% | 3,116 |
| Q3 2025 | $65.3M | $57.3M | $31.0M | $7.9M | $153K | 0.31% | 2.48% | 1.58% | 3,153 |
| Q2 2025 | $65.1M | $57.2M | $30.2M | $7.8M | $100K | 0.31% | 2.47% | 1.05% | 3,160 |
| Q1 2025 | $65.3M | $57.4M | $29.6M | $7.8M | $50K | 0.31% | 2.43% | 0.85% | 3,213 |
| Q4 2024 | $65.3M | $57.5M | $30.3M | $7.7M | $225K | 0.34% | 2.39% | 0.88% | 3,329 |
| Q3 2024 | $66.5M | $58.7M | $30.2M | $7.7M | $170K | 0.34% | 2.33% | 0.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.65% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,381 |
| Q2 2024 | $65.4M | $57.7M | $29.9M | $7.6M | $112K | 0.34% | 2.36% | 0.28% | 3,418 |
Loan mix (Q2 2026): real estate $20.1M · commercial $0 · consumer $9.0M · securities $29.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 80.6% | 47th |
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.
5 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Erie, NY, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 5 | $54.7M* | 0.08% | 35th |
New York: 279th with 0.00% · Buffalo-Cheektowaga metro: 38th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 5 · 2024 5 · 2025 5 · 2026 5