| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +1.3% | +8.7 pts |
| Share growth (YoY) | +9.1% | +0.9% | +8.1 pts |
| Loan growth (YoY) | +14.6% | -2.6% | +17.3 pts |
| ROA | 1.31% | 0.65% | +0.7 pts |
| ROE | 12.5% | 4.4% | +8.2 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.0M | $31.1M | $18.1M | $3.7M | $230K | 1.31% | 4.21% | 1.92% | 6,115 |
| Q1 2026 | $35.1M | $31.5M | $17.5M | $3.5M | $100K | 1.14% | 4.41% | 0.34% | 3,250 |
| Q4 2025 | $33.4M | $29.8M | $16.0M | $3.4M | $649K | 1.94% | 4.59% | 1.06% | 3,235 |
| Q3 2025 | $31.6M | $28.2M | $16.2M | $3.3M | $516K | 2.18% | 4.80% | 1.14% | 3,274 |
| Q2 2025 | $31.8M | $28.5M | $15.8M | $3.1M | $338K | 2.12% | 4.71% | 0.91% | 3,266 |
| Q1 2025 | $31.3M | $28.1M | $14.8M | $3.0M | $160K | 2.04% | 4.63% | 0.38% | 3,244 |
| Q4 2024 | $28.0M | $25.1M | $15.0M | $2.8M | $429K | 1.53% | 4.83% | 1.32% | 3,211 |
| Q3 2024 | $27.5M | $24.6M | $15.0M | $2.7M | $299K | 1.45% | 4.84% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,176 |
| Q2 2024 | $27.5M | $24.7M | $14.5M | $2.6M | $187K | 1.36% | 4.66% | 0.30% | 3,153 |
Loan mix (Q2 2026): real estate $11.8M · commercial $0 · consumer $5.8M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 80.6% | 36th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: South Central Connecticut, CT, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| South Central Connecticut, CT | 3 | $31.1M* | 0.13% | 32nd |
Connecticut: 92nd with 0.02% · New Haven metro: 32nd, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3