| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -1.6% | +0.9% | -2.5 pts |
| Loan growth (YoY) | -16.7% | -2.6% | -14.1 pts |
| ROA | -0.07% | 0.65% | -0.7 pts |
| ROE | -0.7% | 4.4% | -5.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.0M | $30.0M | $5.7M | $2.9M | $-11K | -0.07% | 1.82% | 1.69% | 2,091 |
| Q1 2026 | $32.7M | $29.7M | $5.8M | $2.9M | $-22K | -0.26% | 1.71% | 1.89% | 2,087 |
| Q4 2025 | $32.3M | $29.4M | $6.2M | $2.9M | $-27K | -0.09% | 1.56% | 2.13% | 2,149 |
| Q3 2025 | $32.6M | $29.6M | $6.7M | $2.9M | $-22K | -0.09% | 1.46% | 2.49% | 2,163 |
| Q2 2025 | $33.4M | $30.5M | $6.8M | $2.9M | $-62K | -0.37% | 1.30% | 4.33% | 2,164 |
| Q1 2025 | $33.7M | $30.7M | $7.2M | $2.9M | $-44K | -0.52% | 1.21% | 0.30% | 2,168 |
| Q4 2024 | $33.9M | $30.9M | $7.2M | $3.0M | $-256K | -0.75% | 1.04% | 2.18% | 2,315 |
| Q3 2024 | $33.2M | $30.1M | $7.9M | $3.0M | $-207K | -0.83% | 0.98% | 3.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.07% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,320 |
| Q2 2024 | $35.4M | $32.3M | $8.4M | $3.1M | $-122K | -0.69% | 0.86% | 4.13% | 2,317 |
Loan mix (Q2 2026): real estate $2.6M · commercial $149K · consumer $2.4M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.5% | 80.6% | 86th |
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: Western Connecticut, CT, ranked 31st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Western Connecticut, CT | 1 | $30.0M* | 0.05% | 31st |
Connecticut: 96th with 0.02% · Bridgeport-Stamford-Danbury metro: 36th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1