| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +1.3% | +9.7 pts |
| Share growth (YoY) | +9.8% | +0.9% | +8.8 pts |
| Loan growth (YoY) | +5.0% | -2.6% | +7.6 pts |
| ROA | 1.09% | 0.65% | +0.4 pts |
| ROE | 5.9% | 4.4% | +1.5 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.6M | $11.1M | $4.7M | $2.5M | $74K | 1.09% | 4.12% | 0.43% | 1,443 |
| Q1 2026 | $13.5M | $11.1M | $5.1M | $2.5M | $24K | 0.71% | 4.30% | 0.00% | 1,473 |
| Q4 2025 | $11.8M | $9.5M | $4.3M | $2.2M | $168K | 1.43% | 4.01% | 0.00% | 1,230 |
| Q3 2025 | $11.6M | $9.3M | $4.4M | $2.2M | $163K | 1.88% | 4.29% | 0.00% | 1,235 |
| Q2 2025 | $12.3M | $10.1M | $4.5M | $2.2M | $95K | 1.54% | 3.95% | 0.00% | 1,242 |
| Q1 2025 | $12.1M | $10.0M | $4.8M | $2.1M | $39K | 1.28% | 3.89% | 0.00% | 1,255 |
| Q4 2024 | $12.2M | $10.1M | $4.9M | $2.1M | $77K | 0.63% | 3.14% | 0.01% | 1,266 |
| Q3 2024 | $12.3M | $10.3M | $5.3M | $2.1M | $84K | 0.91% | 3.29% | 0.03% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,264 |
| Q2 2024 | $12.7M | $10.7M | $5.3M | $2.0M | $22K | 0.34% | 2.79% | 0.21% | 1,268 |
Loan mix (Q2 2026): real estate $1.1M · commercial $0 · consumer $3.4M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 80.6% | 28th |
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: Niagara, NY, ranked 16th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Niagara, NY | 1 | $11.1M* | 0.23% | 16th |
New York: 389th with 0.00% · Buffalo-Cheektowaga metro: 68th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1