| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -5.9% | +0.9% | -6.9 pts |
| Loan growth (YoY) | -0.4% | -2.6% | +2.3 pts |
| ROA | 0.12% | 0.65% | -0.5 pts |
| ROE | 1.4% | 4.4% | -3.0 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.1M | $14.6M | $5.1M | $1.4M | $10K | 0.12% | 3.38% | 0.35% | 1,825 |
| Q1 2026 | $16.8M | $15.3M | $5.2M | $1.4M | $4K | 0.10% | 3.23% | 0.38% | 1,822 |
| Q4 2025 | $16.3M | $14.9M | $5.6M | $1.4M | $105K | 0.64% | 3.21% | 0.39% | 1,816 |
| Q3 2025 | $16.3M | $14.9M | $5.3M | $1.4M | $89K | 0.73% | 3.10% | 0.19% | 1,787 |
| Q2 2025 | $17.0M | $15.6M | $5.1M | $1.4M | $56K | 0.66% | 2.86% | 0.16% | 1,769 |
| Q1 2025 | $16.6M | $15.2M | $5.2M | $1.4M | $27K | 0.66% | 2.77% | 0.00% | 1,765 |
| Q4 2024 | $16.2M | $14.9M | $5.4M | $1.3M | $76K | 0.47% | 2.51% | 0.19% | 1,771 |
| Q3 2024 | $15.6M | $14.3M | $5.6M | $1.3M | $51K | 0.43% | 2.52% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,771 |
| Q2 2024 | $15.2M | $14.0M | $5.5M | $1.3M | $15K | 0.19% | 2.31% | 0.53% | 1,762 |
Loan mix (Q2 2026): real estate $8K · commercial $0 · consumer $5.1M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.8% | 80.6% | 83rd |
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 2 states (+1 vs 2025). Biggest market: Erie, NY, ranked 69th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $7.3M* | 0.01% | 69th |
| Williams, OH | 1 | $7.3M* | 0.62% | 8th |
New York: 406th with 0.00% · Ohio: 367th with 0.00% · Buffalo-Cheektowaga metro: 77th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2