| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | 1.22% | 0.60% | +0.6 pts |
| ROE | 11.5% | 4.1% | +7.4 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.5M | $19.2M | $9.7M | $2.3M | $65K | 1.22% | 4.04% | 4.75% | 1,830 |
| Q4 2025 | $21.3M | $19.0M | $10.1M | $2.2M | $258K | 1.21% | 3.59% | 1.96% | 1,837 |
| Q3 2025 | $20.9M | $18.8M | $10.3M | $2.1M | $181K | 1.15% | 3.52% | 0.83% | 1,836 |
| Q2 2025 | $21.4M | $19.4M | $10.5M | $2.1M | $107K | 1.00% | 3.34% | 1.25% | 1,834 |
| Q1 2025 | $21.7M | $19.8M | $10.5M | $2.0M | $50K | 0.92% | 3.23% | 0.71% | 1,843 |
| Q4 2024 | $21.2M | $19.3M | $10.8M | $1.8M | $135K | 0.63% | 2.90% | 1.63% | 1,849 |
| Q3 2024 | $22.1M | $19.6M | $11.1M | $1.9M | $96K | 0.58% | 2.69% | 1.37% | 1,848 |
| Q2 2024 | $22.0M | $20.1M | $10.9M | $1.9M | $50K | 0.45% | 2.54% | 0.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,855 |
Loan mix (Q1 2026): real estate $3.7M · commercial $0 · consumer $5.7M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 81.5% | 27th |
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 2024). Biggest market: Niagara, NY, ranked 16th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Niagara, NY | 1 | $19.4M* | 0.41% | 16th |
New York: 353rd with 0.00% · Buffalo-Cheektowaga metro: 53rd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1