| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.2% | +1.3% | -10.5 pts |
| Share growth (YoY) | -9.6% | +0.9% | -10.5 pts |
| Loan growth (YoY) | -2.4% | -2.6% | +0.2 pts |
| ROA | -0.59% | 0.65% | -1.2 pts |
| ROE | -3.6% | 4.4% | -8.0 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $857K | $169K | $170K | $-3K | -0.59% | 4.04% | 3.75% | 141 |
| Q1 2026 | $1.0M | $863K | $156K | $172K | $-1K | -0.57% | 4.22% | 0.51% | 143 |
| Q4 2025 | $1.0M | $826K | $155K | $173K | $15K | 1.45% | 4.71% | 0.30% | 143 |
| Q3 2025 | $1.2M | $968K | $167K | $183K | $24K | 2.79% | 4.32% | 0.00% | 146 |
| Q2 2025 | $1.1M | $948K | $174K | $184K | $26K | 4.49% | 4.17% | 0.00% | 165 |
| Q1 2025 | $1.1M | $925K | $170K | $171K | $12K | 4.37% | 4.43% | 0.00% | 155 |
| Q4 2024 | $1.1M | $892K | $184K | $159K | $2K | 0.15% | 4.72% | 0.64% | 155 |
| Q3 2024 | $1.1M | $929K | $209K | $160K | $3K | 0.40% | 4.51% | 3.05% | 154 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.59% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -3.6% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.1M | $902K | $164K | $160K | $3K | 0.58% | 4.55% | 6.06% | 155 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $169K · securities $767K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.9% | 80.6% | 93rd |
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: Westchester, NY, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westchester, NY | 1 | $857K* | 0.00% | 47th |
New York: 458th with 0.00% · New York-Newark-Jersey City metro: 319th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1