| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -9.5% | -2.4% | -7.1 pts |
| ROA | -1.70% | 0.60% | -2.3 pts |
| ROE | -9.2% | 4.1% | -13.3 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.3M | $1.8M | $1.1M | $417K | $-10K | -1.70% | 4.50% | 3.44% | 328 |
| Q4 2025 | $2.2M | $1.8M | $1.2M | $438K | $11K | 0.50% | 4.81% | 4.18% | 332 |
| Q3 2025 | $2.3M | $1.8M | $1.3M | $438K | $8K | 0.48% | 4.72% | 3.60% | 334 |
| Q2 2025 | $2.3M | $1.8M | $1.3M | $435K | $6K | 0.58% | 4.61% | 8.08% | 341 |
| Q1 2025 | $2.2M | $1.8M | $1.2M | $433K | $-8K | -1.49% | 4.89% | 7.65% | 338 |
| Q4 2024 | $2.1M | $1.7M | $1.3M | $430K | $86K | 4.10% | 4.53% | 6.51% | 339 |
| Q3 2024 | $2.1M | $1.7M | $1.4M | $423K | $16K | 1.01% | 5.36% | 5.21% | 346 |
| Q2 2024 | $2.1M | $1.7M | $1.5M | $414K | $6K | 0.55% | 5.18% | 1.81% | 347 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.70% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -9.2% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $991K · securities $418K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 137.9% | 81.5% | 97th |
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 1 county across 1 state (+0 vs 2024). Biggest market: Berkshire, MA, ranked 11th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berkshire, MA | 2 | $1.8M* | 0.04% | 11th |
Massachusetts: 243rd with 0.00% · Pittsfield metro: 11th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2