| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -3.2% | +0.9% | -4.2 pts |
| Loan growth (YoY) | -12.6% | -2.6% | -10.0 pts |
| ROA | 0.06% | 0.65% | -0.6 pts |
| ROE | 0.5% | 4.4% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.7M | $23.2M | $8.6M | $3.4M | $8K | 0.06% | 3.70% | 2.33% | 2,738 |
| Q1 2026 | $27.4M | $23.9M | $8.5M | $3.4M | $6K | 0.08% | 3.46% | 1.46% | 2,719 |
| Q4 2025 | $26.5M | $23.0M | $9.0M | $3.4M | $125K | 0.47% | 3.77% | 3.35% | 2,690 |
| Q3 2025 | $26.1M | $22.7M | $9.3M | $3.4M | $85K | 0.43% | 3.87% | 3.57% | 2,663 |
| Q2 2025 | $27.4M | $24.0M | $9.9M | $3.4M | $27K | 0.19% | 3.71% | 1.27% | 2,747 |
| Q1 2025 | $27.9M | $24.6M | $9.9M | $3.3M | $-79K | -1.14% | 3.49% | 1.05% | 2,749 |
| Q4 2024 | $26.8M | $23.5M | $10.4M | $3.4M | $262K | 0.98% | 3.64% | 4.38% | 2,738 |
| Q3 2024 | $27.2M | $23.9M | $11.0M | $3.4M | $271K | 1.33% | 3.61% | 4.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,730 |
| Q2 2024 | $28.7M | $25.5M | $11.5M | $3.3M | $166K | 1.15% | 3.41% | 2.87% | 2,810 |
Loan mix (Q2 2026): real estate $9K · commercial $134K · consumer $8.0M · securities $16.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 80.6% | 68th |
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: Berkshire, MA, ranked 11th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berkshire, MA | 1 | $23.2M* | 0.41% | 11th |
Massachusetts: 202nd with 0.00% · Pittsfield metro: 11th, 0.41% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 1 · 2025 1 · 2026 1