| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -1.7% | +0.9% | -2.7 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.4 pts |
| ROA | 0.72% | 0.65% | +0.1 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.6M | $61.4M | $29.4M | $12.6M | $267K | 0.72% | 2.67% | 3.04% | 4,125 |
| Q1 2026 | $72.4M | $61.1M | $29.9M | $12.4M | $91K | 0.50% | 2.57% | 3.15% | 4,143 |
| Q4 2025 | $72.1M | $60.9M | $30.4M | $12.4M | $104K | 0.14% | 2.42% | 2.84% | 4,171 |
| Q3 2025 | $72.2M | $61.2M | $30.9M | $12.4M | $116K | 0.22% | 2.37% | 2.98% | 4,257 |
| Q2 2025 | $73.0M | $62.5M | $29.5M | $12.3M | $50K | 0.14% | 2.27% | 3.12% | 4,267 |
| Q1 2025 | $74.4M | $64.2M | $27.1M | $12.3M | $2K | 0.01% | 2.23% | 1.15% | 4,292 |
| Q4 2024 | $73.0M | $63.7M | $26.4M | $12.3M | $-380K | -0.52% | 1.90% | 1.22% | 4,317 |
| Q3 2024 | $73.2M | $63.5M | $26.0M | $12.3M | $-313K | -0.57% | 1.80% | 1.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,348 |
| Q2 2024 | $73.4M | $64.6M | $26.3M | $12.4M | $-255K | -0.69% | 1.73% | 0.98% | 4,355 |
Loan mix (Q2 2026): real estate $19.3M · commercial $287K · consumer $9.7M · securities $33.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 80.6% | 37th |
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.
2 branches in 2 counties across 1 state (-1 vs 2025). Biggest market: New York, NY, ranked 87th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $30.7M* | 0.00% | 87th |
| Queens, NY | 1 | $30.7M* | 0.03% | 61st |
New York: 274th with 0.00% · New York-Newark-Jersey City metro: 196th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2