| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +3.1% | +0.9% | +2.1 pts |
| Loan growth (YoY) | -11.5% | -2.6% | -8.9 pts |
| ROA | -0.89% | 0.65% | -1.5 pts |
| ROE | -12.0% | 4.4% | -16.4 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.5M | $7.0M | $3.4M | $559K | $-34K | -0.89% | 2.71% | 0.00% | 1,148 |
| Q1 2026 | $7.7M | $7.1M | $3.4M | $563K | $8K | 0.42% | 2.56% | 0.24% | 1,167 |
| Q4 2025 | $7.8M | $7.2M | $3.5M | $555K | $-40K | -0.52% | 2.62% | 0.07% | 1,169 |
| Q3 2025 | $7.5M | $6.9M | $3.7M | $556K | $-40K | -0.71% | 2.76% | 0.07% | 1,174 |
| Q2 2025 | $7.3M | $6.8M | $3.9M | $564K | $-32K | -0.86% | 2.78% | 0.07% | 1,176 |
| Q1 2025 | $7.5M | $6.9M | $4.0M | $572K | $-24K | -1.26% | 2.65% | 0.04% | 1,178 |
| Q4 2024 | $6.8M | $6.2M | $4.3M | $595K | $-17K | -0.26% | 3.04% | 0.00% | 1,188 |
| Q3 2024 | $6.9M | $6.3M | $4.4M | $588K | $-25K | -0.49% | 2.90% | 0.00% | 1,212 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.89% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -12.0% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.8M | $6.3M | $4.2M | $584K | $-28K | -0.83% | 2.74% | 1.19% | 1,216 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.3% | 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: Cheshire, NH, ranked 11th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cheshire, NH | 1 | $7.0M* | 0.27% | 11th |
New Hampshire: 64th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1