| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +1.3% | -7.9 pts |
| Share growth (YoY) | -12.4% | +0.9% | -13.3 pts |
| Loan growth (YoY) | -4.5% | -2.6% | -1.9 pts |
| ROA | -0.26% | 0.65% | -0.9 pts |
| ROE | -0.8% | 4.4% | -5.2 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.4M | $2.7M | $2.4M | $1.4M | $-6K | -0.26% | 6.97% | 7.95% | 636 |
| Q1 2026 | $4.8M | $3.2M | $2.5M | $1.4M | $24K | 2.02% | 6.51% | 11.12% | 686 |
| Q4 2025 | $4.5M | $2.9M | $2.7M | $1.4M | $153K | 3.41% | 6.71% | 10.91% | 644 |
| Q3 2025 | $4.4M | $2.7M | $2.7M | $1.5M | $260K | 7.93% | 7.03% | 16.57% | 660 |
| Q2 2025 | $4.7M | $3.0M | $2.5M | $1.4M | $229K | 9.79% | 6.85% | 7.83% | 656 |
| Q1 2025 | $5.0M | $3.4M | $2.7M | $1.3M | $108K | 8.59% | 6.37% | 2.28% | 631 |
| Q4 2024 | $4.6M | $2.9M | $2.8M | $1.2M | $449K | 9.84% | 6.62% | 4.48% | 616 |
| Q3 2024 | $4.4M | $2.7M | $2.6M | $1.1M | $366K | 11.17% | 6.85% | 5.67% | 606 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.65% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.5M | $2.9M | $2.4M | $1.1M | $333K | 14.63% | 6.01% | 8.30% | 583 |
Loan mix (Q2 2026): real estate $0 · commercial $67K · consumer $2.2M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 80.6% | 58th |
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: Bronx, NY, ranked 28th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bronx, NY | 1 | $2.7M* | 0.01% | 28th |
New York: 435th with 0.00% · New York-Newark-Jersey City metro: 299th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1