| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +1.3% | +6.7 pts |
| Share growth (YoY) | +8.5% | +0.9% | +7.6 pts |
| Loan growth (YoY) | +12.9% | -2.6% | +15.5 pts |
| ROA | 0.59% | 0.65% | -0.1 pts |
| ROE | 5.3% | 4.4% | +0.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.0M | $19.5M | $9.3M | $2.5M | $65K | 0.59% | 2.68% | 0.23% | 1,681 |
| Q1 2026 | $21.3M | $18.8M | $8.5M | $2.4M | $33K | 0.62% | 2.74% | 1.56% | 1,678 |
| Q4 2025 | $21.0M | $18.5M | $8.2M | $2.4M | $55K | 0.26% | 2.57% | 0.28% | 1,689 |
| Q3 2025 | $20.1M | $17.7M | $8.2M | $2.4M | $46K | 0.31% | 2.62% | 0.50% | 1,676 |
| Q2 2025 | $20.4M | $18.0M | $8.2M | $2.4M | $24K | 0.23% | 2.52% | 0.56% | 1,687 |
| Q1 2025 | $20.2M | $17.8M | $8.1M | $2.4M | $8K | 0.17% | 2.41% | 0.28% | 1,695 |
| Q4 2024 | $19.9M | $17.5M | $7.9M | $2.4M | $46K | 0.23% | 2.38% | 0.63% | 1,704 |
| Q3 2024 | $19.8M | $17.4M | $8.1M | $2.4M | $35K | 0.24% | 2.32% | 1.28% | 1,711 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $19.7M | $17.3M | $8.3M | $2.3M | $8K | 0.08% | 2.25% | 1.10% | 1,705 |
Loan mix (Q2 2026): real estate $4.7M · commercial $0 · consumer $4.1M · securities $11.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 80.6% | 48th |
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 (+0 vs 2025). Biggest market: Niagara, NY, ranked 17th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Niagara, NY | 1 | $9.8M* | 0.20% | 17th |
| Erie, NY | 1 | $9.8M* | 0.01% | 63rd |
New York: 358th with 0.00% · Buffalo-Cheektowaga metro: 59th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2