| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.1% | -4.8 pts |
| Share growth (YoY) | -1.2% | +3.5% | -4.7 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.1 pts |
| ROA | -0.16% | 0.74% | -0.9 pts |
| ROE | -2.7% | 6.5% | -9.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $334.4M | $319.1M | $223.2M | $20.5M | $-273K | -0.16% | 3.48% | 0.41% | 14,185 |
| Q1 2026 | $336.4M | $321.9M | $214.2M | $20.6M | $-186K | -0.22% | 3.35% | 0.38% | 14,275 |
| Q4 2025 | $334.3M | $318.4M | $216.0M | $20.7M | $63K | 0.02% | 3.43% | 0.49% | 14,381 |
| Q3 2025 | $331.8M | $317.0M | $217.2M | $21.0M | $61K | 0.02% | 3.45% | 0.47% | 14,560 |
| Q2 2025 | $336.6M | $323.0M | $210.6M | $21.0M | $1K | 0.00% | 3.35% | 0.57% | 14,692 |
| Q1 2025 | $339.7M | $326.3M | $205.1M | $21.0M | $3K | 0.00% | 3.21% | 0.65% | 14,721 |
| Q4 2024 | $331.6M | $319.5M | $200.7M | $21.0M | $395K | 0.12% | 3.29% | 0.82% | 14,772 |
| Q3 2024 | $334.3M | $319.6M | $200.8M | $21.0M | $204K | 0.08% | 3.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.74% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 6.5% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.84% |
| 15,080 |
| Q2 2024 | $342.3M | $329.2M | $199.1M | $20.8M | $9K | 0.01% | 3.10% | 0.96% | 15,417 |
Loan mix (Q2 2026): real estate $129.8M · commercial $48.1M · consumer $36.2M · securities $55.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.4% | 77.5% | 99th |
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.
6 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Nassau, NY, ranked 32nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nassau, NY | 5 | $265.9M* | 0.24% | 32nd |
| Suffolk, NY | 1 | $53.2M* | 0.07% | 29th |
New York: 160th with 0.01% · New York-Newark-Jersey City metro: 131st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 5 · 2025 5 · 2026 6